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Interest-Only Mortgage Tutorial
Here is what you will learn in this tutorial: 1. What is an interest-only mortgage? 2. For what types of borrowers is it suitable? 3. What are the hazards you should watch out for? 4. What information do you need to assess an IO mortgage? 5. How ... more...

Misperceptions About Interest-Only Mortgage Loans
NOTE: IF YOU WANT THE CRITICAL FACTS ABOUT INTEREST-ONLY WITHOUT ANY FRILLS, GO TO THE INTEREST-ONLY TUTORIAL. April 8, 2003 I continue to be dumbfounded by the claims about interest-only loans reported to me by mortgage shoppers.  Whether the claims originate with loan ... more...

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Home Equity Loan
Home Equity Loan A home equity loan is borrowing against the equity you have acquired in your home. Lets suppose your original mortgage was $175,000.00, but your house is worth $225,000.00. The difference is $50,000.00. ... more...

Credit Score
Credit Score A single numerical score, based on an individual's credit history, that measures that individual's credit worthiness. Credit scores are as good as the algorithm used to derive them. The most widely used credit score is called ... more...

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Get Free only Quotes and Estimates

Get instant on-line mortgage rate quote and closing cost estimate. Only put your loan numbers. No contact info required. Compare offers from top mortgage lenders... more...

Ifs and VATs of Taxation in Macedonia - Should VAT be Applied in Macedonia?
To be justified, taxes should satisfy a few conditions:Above all, they should encourage economic activity by providing incentives to save and to invest. Savings - transformed into investments- enhance productivity and growth of the economy as a whole.A tax should be simple - to administer and to ... more...

Memory Cards Complete Guide
Ever wondered what are these tiny chips? Confused by the names? We are here to help you.This article is about the various memory components available in the market for mobile phones. Memory StickMS Memory Stick is a removable flash memory card format, launched by Sony in October 1998, and is also ... more...

Growing Palms
Palms Everybody recognises palm trees, they are the universal symbol for the tropics but many are hardy enough for our temperate climate gardens. Until recently New Zealand gardeners have had only a very limited range of palms to choose from. In the last five years the range has grown enormously as ... more...

Mortgage Terms Explained
When you are hunting for a mortgage, you will find that there are many different types of mortgages available. I will list some of the more common ones and their uses.15 vs 30 YearsYour mortgage term can be just about anything you choose. 15 and 30 year terms are popular these days, although 10 ... more...

10 Lessons for Every "Shoestring" Entrepreneur
Starting a business requires adequate capital. However, many entrepreneurs are finding that capital alone is not a guarantee for success. Some businesses start out with millions in the coffers, yet end up in the dumps. While a few businesses with shoestring budgets eventually grow to become ... more...

Camellias
Camellias Named by Linnaeus in 1735 in honour of the Jesuit priest and naturalist Georg Josef Kamel, Camellia is a genus originating mainly from China but with a range covering a large area of South East Asia. The exact number of species is not clear but it is somewhere around 100. Camellia is an ... more...

The Basics On T1 Line Solutions For Small Business
T1 Lines have been the primary source of mission critical bandwidth for companies of all sizes for nearly 20 years. With so much history, a basic understanding of the T1 line should be common knowledge among business owners who are looking for reliable bandwidth for Internet access, data ... more...

Impact of Product Patent on FDI in Indian Pharmaceutical Industry
An Ordinance on Patents (Third) Amendment was promulgated by the Government on December 26, 2004 to make the Indian patents law WTO compliant and to fulfill Indias commitment under TRIPS to introduce product patent protection for Drugs, Food and Chemicals with effect from January 1, 2005.An ... more...

Brand Positioning - Brand Image
That cross-trainer you're wearing -- one look at the distinctive swoosh on the side tells everyone who's got you branded. That coffee travel mug you're carrying -- ah, you're a Starbucks woman! Your T-shirt with the distinctive Champion "C" on the sleeve, the blue jeans with the prominent Levi's ... more...

The Gaian Paradigm Part 2
Part 2 The Implication of the Gaian Paradigm to Social InstitutionsThe new Paradigm is a scientific hypothesis which explains many phenomena in cosmic evolution. But it is more than that. It suggest a new worldview or mindset by which humans can examine current phenomena with respect to their ... more...

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