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Today's Mortgage Terms starting with D Default: Failure to fulfill legal obligations of a contract, including failure to make payments on a loan. Discounted Loan: When the note rate on a loan is lower than the market rate, it is a discounted loan. Discount Point: A point paid to the lender to permanently lower or acquire down an interest rate. Money must be paid up front to lower the rate. Down Payment: The amount of cash you must pay down initially for the purchase of your home. For conventional loans, you should aim for a down payment that's at least 20% of your home's value. The reason is lenders generally do not require private mortgage insurance with a down payment of at least 20% of your home's purchase price. View all Terms

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Barack Obama's, John McCain's economic plans aimed at swing states ... - Dallas Morning News
WASHINGTON – When Barack Obama announced his latest batch of ideas to help the economy this month, he chose an appropriate setting: Toledo, a city struggling with high unemployment and the biggest house-price declines in Ohio. When John McCain ...

Gore: Electrifying redemption, thanks to the Web - CNET News
SAN FRANCISCO--The central theme of former Vice President Al Gore's speech, concluding the Web 2.0 Summit on Friday afternoon, was electricity. He spoke of "the electrifying redemption of America's revolutionary declaration that all human beings are ...

An Invitation to Our Readers - BusinessWeek
Earlier this year, we launched a new and innovative feature on BusinessWeek.com to prominently highlight the insights of our readers. Called In Your Face , it calls attention to the most substantive comments left on our site by our readers. Not only ...

Credit crisis' next victim: bankruptcies - Denton Record-Chronicle
Companies seeking bankruptcy protection have a new hurdle, thanks to the credit crunch: finding money to survive the process. The frozen credit markets have choked lending to struggling companies that need loans just to make it through Chapter 11 ...

Wall Street Credit Crash Threatens To Tank U.S. Auto Industry - Huffingtonpost.com
DETROIT -- First it was the subprime mortgage crisis, followed by the gasoline price spike. Now it's the collapse of Wall Street and the unavailability of auto loans for consumers. What does it mean for Detroit automakers? "A Doomsday scenario that ...

Daily Report - Baton Rouge Business Report
Louisiana banks are strong and safe despite declining consumer confidence as a result of the national financial crisis, Bob Taylor, chief executive officer of the Louisiana Bankers Association, told the Press Club of Baton Rouge today. Bankers are ...

Sears’ charge on social issue should be cheered - Atlanta Journal Constitution
Until one cultural trend is reversed, conservatives have no hope of slowing the march toward big and rapacious government. We can’t win elections. We can’t solve the problems of public education. We can’t solve those of health care, retirement ...

Trick or Treat or Just the Facts - Safe Haven
Global markets regained some composure. Here at home, it was apparently the biggest one-week market gain since 1974. The Dow jumped 11.3% (down 29.7% y-t-d) and the S&P500 rose 10.5% (down 34%). The broader market rallied sharply. The small cap ...

Register for FREE - Wall Street Journal
The email address you have entered is already in use. Please re-enter the email address. Former Federal Reserve Chairman Alan Greenspan said he “made a mistake” in believing banks and others would protect their shareholders and own firms ...

US Pension funds and fiduciary irresponsibility - Ethical Corporation Online
Jon Entine investigates the investment of American state pensions in SRI funds. Should state and local pension funds in the United States – which collectively hold more than US$3 trillion in assets – invest the assets of their hard-working ...