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How Do You Shop For a HELOC?
October 20, 2003 "Do I shop for a HELOC in the same way as I would shop for another mortgage?" No, shopping for a HELOC is very different from shopping for a standard mortgage. In most respects, it is simpler, if you know what you are doing. A HELOC is a line of credit ... more...

Is Mandatory Disclosure Unfair to Brokers?
May 8, 2000 "I take exception to your proposal that mortgage brokers be required to quote a price for their services...I like to compare our industry to a department store.  Should a law be passed that requires department ... more...

wall street journal related definitions

Prime Rate
Prime Rate In North American banking, the prime rate is the interest rate a banks charge to their best or "prime" customers. Each bank will quote a prime lending rate. Many institutions quote prime rates established by large money center commercial banks such as ... more...

Freddie Mac
Freddie Mac Federal Home Loan Mortgage Corporation (FHLMC) also called "Freddie Mac" - a quasi-governmental, federally sponsored organization that acts as a secondary market investor to buy and sell mortgage loans. FHLMC sets many of the guidelines for conventional ... more...

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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...

Outfit Your Dorm Room In Style At Closeout Prices
If your back to school shopping includes outfitting a new dorm room, you'll find unique accessories for your decorating at online bargain shopping sites. Whether you're looking for the perfect floor lamp or an unusual wall accent, you'll find what you're looking for at prices that won't strain your ... more...

Following the Citation Trail: An Oft-Overlooked Path to Quality Resources
Researchers often turn to a number of tried and true tricks in order to find the resources they need: card catalogs, periodical indexes, academic databases, search engines, subject directories...the list goes on. In contrast, the citation trail is a path thats taken with decreasing frequency, ... more...

Parent's Involvement in Children's Education
ABSTRACTThe importance of parental involvement as an accelerating and motivating factor in their childrens education is a worldwide-accepted fact. This research project provides an in depth explanation along with specific reasons, the importance of parents involvement in their childrens education. ... more...

Deck Railings For Elegance And for Safety
The necessary accessory Deck RailingsThe deck and the railings go together. A deck without a railing is unsafe and it may even be out of the building code. If you are not following the codes for deck railings, you expose yourself to un-necessary harassment by many, particularly in society as ... more...

Challenging the Gospel of Growth -- Must Business Grow to Survive?
A cherished business doctrine is that growth must be a primary business purpose: grow or perish is a mostly unquestioned truth. At South Mountain we favor certain kinds of growth, but not expansion for its own sake, which author Edward Abbey described as the ideology of the cancer cell. We embrace ... more...

How Much Should I Pay For This House?
We probably answer this question for someone a couple times every week. The problem is that they dont have a good formula for determining the most they can pay and still make a profit so theyre scared to make any offer. Heres what we use for single family homes:The (MAO) Maximum Allowable Offer is ... more...

Safety Tips For People Living In An Enclosed Area
Most of you live in a dwelling that has electricity. This archaic technology makes many things possible in you life. Unfortunately, electricity can be deadly if used improperly. As stated before, the information provided is not all inclusive. You will have to research you own situation and, if ... more...

Location, Location - NOT!
Untold Secrets of Buying and Selling Real EstateOwning a home can truly be satisfying. However, with the financial pressures of today's world, getting good value is crucial. These days I am much savvier about buying and selling homes than I was when we bought our first of eight houses. The ... more...

Family Pictures For All Time
When you get old, you get a lot of time on your hands. You really can't shoot hoops like you used to. You can't find a good pinball machine; the video games seem too complicated for you. But you do have a stack of photos, all carefully unstacked in a genuine random fashion.I must say that this ... more...

Prison Wives: The Forgotten Women In Our Society
Having a husband in prison is a stigma in our society. However it is possible to cope and get through this difficult time in your life. Let me help you along the way and give you a few tips.I myself am a "Prison Wife." My husband has been in the prison system for the past 22 months. He was ... more...

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