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Grange Resources and Karoon Gas two bright lights among all the gloom - The Age
RIO Tinto is cutting its Pilbara iron ore production by 10% and an unusually benevolent BHP Billiton is out to maintain its volumes by flogging a chunk of its output at below contract prices. Little wonder that when you look across at the junior iron ...

Two more arrested in Stevens Point shooting - Milwaukee Journal Sentinel
Nov. 19, 2008 | Stevens Point - Three people are in custody for a shooting in Stevens Point that left a man wounded and the local high school locked down. Police Chief Jeff Morris says a man and woman have been arrested by detectives in addition to ...

Audit: Medicaid recipients misused free cab rides - Milwaukee Journal Sentinel
Nov. 21, 2008 3:44 p.m. | Madison - The state was forced to reimburse the federal government nearly $350,000 this fall after auditors found that cab rides had been billed to Medicaid on days when Milwaukee County participants didn't receive medical ...

Con-Way Freight in Janesville closing - Milwaukee Journal Sentinel
Nov. 10, 2008 | Con-Way Freight is closing its Janesville trucking operation, affecting 44 workers there. A majority of the work and employees are moving to a Rockford, Ill., terminal as part of a corporate reorganizing announced last week. Con-Way ...

Injuries reported in crash near Beloit and Morgan - Milwaukee Journal Sentinel
Barron County Circuit Judge James Babbitt has ruled there's enough evidence for Michael Millermon to go to trial. Babbitt ordered a mental competency exam. Millermon was ordered to stay away from any school property and the district's students. Court ...

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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