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FOR THE RECORD - Register-Guard
Davenport-Vongsy — Teresa Davenport and Steve Vongsy, of Cottage Grove, a daughter. Fuller — Rebecca and David Fuller, of Springfield, a son. Clark — Leanna and Brandon Clark, of Springfield, a female. Cordell — Sarah Hagel and Devin Cordell ...

The hazards of policy on the hop - The Age
T HE basic problem confronting the world economy is dealing with a credit bubble that was so many years in the making now one can even agree when it started. The great economist Dr Kurt Riechenbacher once wrote the only way to burst a bubble is not ...

School for the blind starts visionary newsroom - Newark Star-Ledger
Ed Murray/The Star-Ledger Judy Ortman, interim executive director of the Concordia Learning Center, is interviewed by student Indigo Estevez from Newark for the school paper. There's a buzz in the newsroom of a New Jersey start-up newspaper, and not ...

Items pertaining to Fulton neighborhood - Southwest Journal
ARMATAGE — Principal Joan Franks was working with district and city officials to head-off what she termed “an accident waiting to happen” near Armatage Community and Montessori School in February. Franks said traffic near the intersection of ...

2008 (2665) - Dakota Voice
► January 16 - January 23 (1) Brian has a good point here. When I was in the Air Force, I recall one night when a new guy, fresh out of training, came to work on our shift. In military police work, you rely on your "radio" or "portable" quite a bit ...

Adult Asian-American children give back to parents for raising them - UVSACS
In the Vietnamese culture, there is a saying: "Nuoi con de nho." "Raise your children to rely on them." Even in the U.S., where new generations of Vietnamese-Americans grow up not knowing how to speak the language, they know that phrase. It is ...

Bush, Paulson take a new approach to crisis - Batavia Sun
The Bush administration's latest effort to resolve the financial crisis embraces an approach it had resisted just a few weeks ago. But things move fast in the bailout world. And in deciding to inject fresh capital into U.S. banks in return for ...

Kirk, Seals square off in debate - Arlington Heights Post
Few minds were changed in the partisan audience at a 10th Congressional District debate Sunday sponsored by the League of Women Voters and the Union League of Chicago. Supporters of four-term Republican incumbent Mark Kirk and second-time Democratic ...

CNBC's Jim Cramer to talk at University of Iowa - FOX News
DES MOINES, Iowa — University of Iowa senior Alex Cullen walked by a television set as his older brother was watching a noisy guy bounce around on the screen, decapitating bobbleheads and talking about the stock market. It attracted his attention ...

Teacher's world approach wins $1,000 award - Boston Globe
Deanne Moore , an English teacher at Hingham High School, has earned the GEM-AIG WorldSource Teacher Award for Excellence in International Education. The $1,000 prize goes annually to a teacher who makes exceptional contributions to the field of ...

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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