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Billionaires Up, America Down - Common Dreams
When it comes to producing billionaires, America is doing great. Until 2005, multimillionaires could still make the Forbes list of the 400 richest Americans. In 2006, the Forbes 400 went billionaires only. This year, you'd need a Forbes 482 to fit ...

The Conservative Origins of the Sub-Prime Mortgage Crisis - Common Dreams
Hardly a day goes by without a news story about the accelerating number of foreclosures, an economic tsunami that is causing chaos in the housing and stock markets, the banking industry, and the global money markets, not to mention upending families ...

Wanted: food stamp applicants - Raleigh News & Observer
908,025 - Number of North Carolinians receiving food stamp benefits in September 452,627 - Number of North Carolinians the government estimates qualify for food stamps and don't get them SMITHFIELD - At 79, Earl Rudd is worn out and nearly broke ...

BWAY Holding Company Announces Closure of Its Franklin Park, Illinois ... - PR Newswire
ATLANTA, March 7 /PRNewswire-FirstCall/ -- BWAY Holding Company NYSE: BWY, a leading North American supplier of general line rigid containers, today announced that it intends to close its Franklin Park, Illinois metal packaging manufacturing facility ...

INDUSTRY NEWS & PEOPLE July 2007 - Business Travel Executive
The Association of Corporate Travel Executives has named Jerome Drevon-Barreaux, global travel manager for Capgemini, as the new regional chair of ACTE Europe. A more than 10 year veteran of the business travel industry, Drevon-Barreaux directs a T&E ...

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Today's Mortgage Terms starting with M

  • Margin: The percentage difference between the index for a specific loan and the interest rate charged. This is a number already set by the lender.
  • Market Value: The price at which a given property or product is transacted between a willing, unhurried buyer and a seller who know all the pertinent facts about the property.
  • Mortgage Banker: A financial institution who directly funds home loans, sells them to investors, arranges monthly payments and handles escrow. Some mortgage bankers sell their loans on the secondary market.
  • Mortgage Broker: A broker arranges financing for borrowers with a variety of lenders. A mortgage broker does not make the loan, but receives payments for its services.
  • Mortgage Insurance: It is insurance to protect the lender in case you default on your loan. With conventional loans, mortgage insurance is generally not required if you make a down payment of at least 20% of the home's appraised value. It is also known as PMI (Private Mortgage Insurance).
  • Mortgage Loan: A loan for which a specific real estate property serves as collateral to provide for repayment in case of default.
  • Mortgage Refinance: A refinanced mortgage is one in which a borrower pays down an old loan with a new loan. People who refinance a mortgage tend do so to get a lower interest rate, lowering their payments or to take cash out of their home equity.
  • Mortgagee: The lender in a mortgage loan relationship. Property is used as collateral to make payment.
  • Mortgagor: The borrower in a mortgage loan relationship. Property is used as collateral to make payment.

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