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EXTRA: Students lie, cheat, steal, but say they're good - Deming Headlight
NEW YORK — In the past year, 30 percent of U.S. high school students have stolen from a store and 64 percent have cheated on a test, according to a new, large-scale survey suggesting that Americans are too apathetic about ethical standards ...

Programs aim to loosen up credit - Deming Headlight
WASHINGTON — Rolling out powerful new weapons against the financial meltdown, the Bush administration and the Federal Reserve pledged $800 billion Tuesday to blast through blockades on credit cards, auto loans, mortgages and other borrowing. Total ...

Demand growing for food assistance as holidays near - Boston Globe
FALL RIVER - Not three weeks after the state commander of the Salvation Army tearfully asked his officers not to turn any families away this winter, Major Elizabeth Deming realized just what she was up against. On the first day she took applications ...

More people using cash - Deming Headlight
NEW YORK — Cash or credit? For more Americans, who have already maxed out their credit cards or are just trying to manage their spending better in the tough economy, the answer is increasingly the old-fashioned one. Retailers like Wal-Mart Stores ...

NM Mortgage Finance Authority expands role during housing crisis - New Mexico Business Weekly
The housing market has changed, and so has the role of the New Mexico Mortgage Finance Authority . The quasi-government/quasi-nonprofit has long helped New Mexicans obtain mortgages and spurred development of affordable housing statewide. It is still ...

China calls on the US for more action to deal with financial crisis - Earthtimes
Berlin - China called Monday on the US to step up moves aimed at dealing with the consequences of the world financial crisis. "We need help from everyone to cope with the financial crisis," said Chinese Trade Minister Chen Deming in Berlin following ...

Murphy Oil Corporation Q3 2008 Earnings Call Transcript - Seekingalpha.com
Murphy Oil Corporation (MUR) Q3 2008 Earnings Call October 30 2008 11:00 am ET Executives Claiborne Deming - President and CEO Dory Stiles - Manager of IR Kevin Fitzgerald - SVP and CFO Mindy West - VP and Treasurer Analysts Ryan Todd - Deutsche Bank ...

Sheafe House demolition OK'd after judge rules time was up - Citizen
Erin Plummer/Staff Photo AN EXCAVATOR with Spears Brothers of Laconia tears apart the second building of the Sheafe Harbor House on Wednesday. The main building was demolished on Tuesday and the remaining building is scheduled for wrecking soon. The ...

Near-record rally for Dow - Denver Post
Nov 21: Pressure on Citigroup builds, shares fall below $4 Nov 20: Fannie, Freddie suspend foreclosures Stocks tumble for second day; Treasurys surge Dems delay auto bailout vote, seek plan from Big 3 Nov 13: Stocks shoot up 550 as investors swarm ...

The World Newser - ABC News Blogs
Big Three automakers want an even bigger bailout than anticipated. They have publicly talked about wanting $25 billion in loan guarantees on top of the $25 billion in loans already in the pipeline for energy efficient technology. But two Democratic ...

Today's Mortgage Terms starting with D

Default: Failure to fulfill legal obligations of a contract, including failure to make payments on a loan.

Discounted Loan: When the note rate on a loan is lower than the market rate, it is a discounted loan.

Discount Point: A point paid to the lender to permanently lower or acquire down an interest rate. Money must be paid up front to lower the rate.

Down Payment: The amount of cash you must pay down initially for the purchase of your home. For conventional loans, you should aim for a down payment that's at least 20% of your home's value. The reason is lenders generally do not require private mortgage insurance with a down payment of at least 20% of your home's purchase price.

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