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Bankruptcy court approves normal operations at Hawaiian Telcom - KGMB9
Executives of Hawaiian Telcom have warned employees that "things will get tougher before they get better," but for now management is focusing on renegotiating the company's debt, not touching employee wages or vendor compensation. A federal ...

Automakers to submit plans to Congress - Las Vegas Sun
Detroit's automakers, making a second bid for $25 billion in funding, are presenting Congress with plans Tuesday to restructure their ailing companies and provide assurances that the funding will help them survive and thrive. General Motors Corp ...

Big Three automakers to submit plans to Congress - Las Vegas Sun
Detroit's automakers, making a second bid for $25 billion in funding, are presenting Congress with plans Tuesday to restructure their ailing companies and provide assurances that the funding will help them survive and thrive. General Motors Corp ...

Matthew Upson, sole survivor - Times Online
Matthew Upson, outstanding for club and country in his two most recent games, says he found his form under Fabio Capello and his fitness in the Yellow Pages. Upson, at 29, is playing the best football of a career that brought him a Premier League ...

Mixed Curse For Rio - Forbes
BHP Billiton 's decision to drop its bid for Rio Tinto may seem out of nowhere, but the market reaction to the announcement -- Rio shares lost more than a third of their value -- is overstated. If only the company would make its own case. Analysts ...

Demise of Australia's Allco a Sign of More to Come - CNBC
Allco appointed administrators on Tuesday after failing to refinance A$147 million ($98 million) of debt, a victim of soaring credit costs amid the worst global financial crisis since the Great Depression. Companies from shopping mall owner Centro ...

New manager for market? - Boston Globe
Merchants at Faneuil Hall Marketplace are asking the City of Boston to run the outdoor shopping center if their current landlord, General Growth Properties Inc. , files for bankruptcy protection. General Growth, the second-largest US mall operator ...

Clinton (Easton, Pennsylvania) - Chicago Tribune
Work began September 4 on the rehabilitation of the PA 61 Bridge over the Schuylkill River in West Brunswick Township, Schuylkill County. The bridge project entails deck patching, a latex overlay of the deck, expansion joint replacements, new ...

Stock market report: Wednesday close - This is Money
That is the view of ING, which has cut its rating on the shares from buy to hold because of short-term economic conditions. But the broker has raised its 12-month target from 925p to 1025p after seeing the price rally 55p to 1106p yesterday. Today ...

2008 Election - Oregonian
Diane McKeel will take a seat on the Multnomah County Board of Commissioners in January, after a narrow come-from-behind victory. McKeel, the executive director of the West Columbia Gorge Chamber of Commerce, said she will spend the next two months ...

Today's Mortgage Terms starting with I

Index: An index is usually a widely published market rate such as LIBOR, T-Bill or 11th District Cost of Funds (COFI). Lenders use these indices to set the interest rates charged on mortgage loans. For ARM, a predetermined margin is added to the index to calculate the interest rate adjustment.

Initial Rate: The rate charged for the first interval of an ARM loan.

Interest: Compensation in the form of money paid for the use of money.

Interest Rate Cap: Caps limit the range that the interest rate on an adjustable rate mortgage can change in an adjustment interval during the term of the loan.

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