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Washington ends 3-game losing skid, tops Atlanta - FOX News
WASHINGTON — Alex Ovechkin had his sixth career hat trick and added an assist to help the Washington Capitals end a three-game losing streak with a 5-3 victory over the Atlanta Thrashers on Wednesday night. Eric Fehr and Viktor Kozlov added goals ...

Pulse of the economy: The new frugality - AZCentral.com
This time, it's hitting all of us. On Nov. 21, 10 Republic reporters and four photographers fanned out across the Valley to take the pulse of the Arizona economy. They asked everyday people, many of them solidly middle-class, how they were coping. It ...

Bryan sues area power agency - Denton Record-Chronicle
An agency that provides power to Denton and three other Texas cities is facing a legal challenge over its plan to refinance millions of dollars in debt. The city of Bryan sued the Texas Municipal Power Agency and its other members, Denton, Greenville ...

Now more than ever, your credit score can make life tough - or a whole ... - Boston Globe
Bryan and Trudi Sorge used two no-interest credit cards to pay for a new deck at their Pine, Colo., home, unaware the transaction would lower their credit score. "We thought why use the cash, this is easier," said Trudi Sorge. "But because we maxed ...

Brinker shares climb after analyst upgrade - Forbes
A Raymond James analyst said Monday investors' fears that Brinker International Inc. will default on its debt have created a buying opportunity for the stock. Shares of Brinker, which operates restaurant chains including Chili's Grill & Bar and ...

Bank Bonds Rise May Ease Pain of Refinancing $89 Billion Debt - Bloomberg
Oct. 15 (Bloomberg) -- A rally in bank bonds spurred by U.S. Treasury Secretary Henry Paulson 's rescue plan may ease the way for financial companies to refinance $89 billion of debt maturing through the end of the year. Bonds of Morgan Stanley ...

Rugby must tackle the credit crunch - The Independent
It's impossible to pick up a newspaper or switch on the television these days without being greeted with news of the impending recession or details on the global financial crisis affecting the money markets in London and New York. Yet it is against ...

Regulators arrange for Prosperity Bank to acquire Franklin Bank - Houston Chronicle
• How does this failure affect me?: If you held an account at Franklin Bank, SSB, you now have one at Prosperity Bank that you can access at your former Franklin Bank branches during regular business hours. If you had a loan with Franklin Bank ...

Petrol companies told to cut prices at pumps - Times Online
Petrol and energy suppliers came under fire from ministers yesterday in an attempt to shame them into cutting pump prices and household bills. Emboldened by international praise for tackling the banking crisis, Gordon Brown accused petrol retailers ...

A Hanging Offense - Wall Street Journal
Yesterday we noted a story about liberals, prompted by the election of Barack Obama, making sudden shows of patriotism after shunning such displays for the past eight years. We wondered if the same thing had happened on the other side--that is, if ...

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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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