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Shelby favors changing automaker management teams - Quad-Cities Times
WASHINGTON - The top Senate Banking Committee Republican says nothing will turn around the troubled U.S. auto industry until its top management is ousted and the manufacturing model overhauled. Sen. Richard Shelby of Alabama said Wednesday he didn't ...

Top salesmen for financial bailout face grilling - WTOP Radio
WASHINGTON (AP) - The two top salesmen for a $700 billion financial bailout are in for a grilling by Capitol Hill lawmakers just one week after the administration officially ditched the original strategy behind the rescue. Federal Reserve Chairman ...

GM to sell remaining Suzuki stake - Financial Times
General Motors is to sell its 3 per cent stake in Japan’s Suzuki Motor for Y22.4bn ($231m), in an effort to shore up its fast-dwindling cash reserve. The carmaker warned this month that it would approach the minimum $11bn to $14bn it needs in cash ...

Lawmakers press Paulson on bailout plan changes - Seattle Post Intelligencer
WASHINGTON -- Faced with exasperated lawmakers upset by shifts in bailout strategy, Treasury Secretary Henry Paulson launched a spirited defense Tuesday of his handling of the $700 billion program and expressed fresh reservations about tapping the ...

Paulson says bailout not for mortgage guarantees - Seattle Post Intelligencer
WASHINGTON -- Treasury Secretary Henry Paulson expressed fresh reservations Tuesday about tapping a $700 billion bailout pool to provide mortgage guarantees to help stem soaring home foreclosures. Paulson and Federal Reserve Chairman Ben Bernanke ...

Paulson, Bernanke defend $700 billion bailout - Associated Press
WASHINGTON (AP) -- Treasury Secretary Henry Paulson told Congress Tuesday he opposes tapping a $700 billion taxpayer-funded bailout pool to help struggling U.S. automakers. Paulson and Federal Reserve Chairman Ben Bernanke were on Capitol Hill ...

Dow slips below 8,000 on growing fear of deflation - KTAR.com
WASHINGTON (AP) - A growing fear of economic deflation helped take the air out of the stock market Wednesday, and another white-knuckle final hour on Wall Street pushed the Dow Jones industrials under 8,000 to their lowest close since the financial ...

Beaumont Hospitals to announce turnaround plan - Detroit Free Press
Beaumont Hospitals, long one of the Detroit area’s most financially healthy hospital systems, will announce a financial turnaround plan today, it said in a statement. The hospital system declined further details prior to a 2 p.m. news conference ...

Begging for Bailout Cash, U.S Cities Told to Go Fish: Joe Mysak - Bloomberg
Nov. 18 (Bloomberg) -- You can't blame U.S. cities for eyeing the federal government's open vault and asking for a bailout, too. Atlanta, Detroit, Philadelphia and Phoenix have all asked in recent days for some of the Troubled Asset Relief Program ...

Treasury Denounced Over Bailout - Gainesville Sun
WASHINGTON — The Treasury secretary, Henry M. Paulson Jr., on Tuesday rejected pleas to use money from the $700 billion bailout program to help homeowners avoid foreclosure or to stave off bankruptcy by Detroit’s Big Three automakers. Click to ...

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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