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Milton approves $6.14 million budget - Saratogian
MILTON — Responding to residents’ requests, the town board whittled down expenses even more and approved a $6.14 million 2009 budget Wednesday, cutting taxes 15 percent over 2008. "We’ll be all right. This will put us in good shape for next ...

Milton residents seek answers from Town Board - Saratogian
MILTON — Using a walker to navigate, Dorothy King, 82, came to her first-ever town board meeting Thursday night. She still lives on the 100-acre farm on Finley Road her grandfather bought a century ago. "These are hard times," she said, revealing ...

The Loss Of Individual Liberty - Forbes
Over dinner with Milton Friedman several years before he died, I offered the great man a compliment. He refused it. I had just re-read God and Man at Yale , the 1951 book in which William F. Buckley Jr., denounced the leftist attitudes he had ...

TRUMBULL COUNTY - Vindicator
Scott D. Dustman, 40, of 3962 Anderson Road, Leavittsburg, and Tammy L. Knepper, 36, of same. John R. Santiago, 40, of 7164 state Route 46, Cortland, and Pauline E. May, 51, of same. Brandon C. Salen, 27, of 1767 State Road, Warren, and Nina M ...

MAHONING COUNTY - Vindicator
Randolph Dotson Jr., 30, of 2529 Elm St., Youngstown, and Amanda L. Wolford, 25, of same. Kevin M. Davis, 30, of 153 E. Judson Ave., Youngstown, and Mia R. Shellow, 34, of same. Michael W. Budge, 45, of 5554 Barkley Ave., Austintown, and Shari J ...

Shrinky Dinks brand is for sale - Colorado Springs Gazette
NORTH LAKE, Wis. • In 35 years, a business based on shrinking has expanded to include about 250 products sold in 42 countries around the world. Now Betty Morris, one of the inventors of Shrinky Dinks, is hoping that the value she created with her ...

Clayton Homes cuts 90 jobs, closes 2 plants - Knoxville News Sentinel
Clayton Homes announced the layoff of 90 employees this morning, a move that comes on top of last month’s closure of plants in Kentucky and Pennsylvania. Spokesman Chris Nicely said the layoffs at the Maryville headquarters are a result of the ...

Vt.'s newest food shelf opens in Williston - Burlington Free Press
Up the stairs and down the hall is a brand-new office more likely to fit a lawyer or a mortgage broker. Instead of cubicles and desks, there are shelves full of macaroni and peanut butter, bottles of juice, packages of diapers . Maple Tree Place, a ...

A Moderst Proposal to Solve the Financial Crisis - American Thinker
I've just realized something: I've solved our financial crisis. Since media are already preparing their copy for stories about the Great Collapse of 2008, I've decided to share it with you instead of calling them. Don't worry -- we'll avert another ...

G-20 punts on global market - Politico.com
Little was accomplished at the much-hyped summit of world leaders last week besides passing the buck to incoming president Barack Obama. With coordination between leading economies effectively on hold during the American presidential transition ...

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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