Word: arms
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...Bours will also tap into their equity to the tune of $135,000 to redo their wood floors, pay for Norm's Lexus (now that the lease is up) and pay off their time share in Maui. Their latest loan: a 30-year, $350,000 adjustable-rate mortgage (ARM) for a home valued at slightly less than $1 million...
That said, experts agree, you should "refi smart" by locking in the best rate for the time period you plan to live in the house. "Because your income will probably drop in retirement, don't be seduced by an ARM unless you'll be selling before the rates go up and your income goes down," says Brown. People who fail to factor in closing costs are making an expensive mistake. Smaller monthly payments may look sweet, but if you won't be in the house long enough to recoup those fees, you probably shouldn't be refinancing...
...Beijing's tune. Soon after his provocative comment, China's leaders insisted that he remove the BBC from Star TV's menu of channels after it aired a program critical of Chairman Mao Zedong. Murdoch complied, and has gone further since. On his orders, News Corp.'s publishing arm, HarperCollins, dropped a book written by Chris Patten, Hong Kong's last British Governor, in which Patten was critical of Beijing. In 1999 Murdoch even derided the Dalai Lama, Beijing's longtime foe, as "a very political old monk shuffling around in Gucci shoes." News Corp. hired an American adviser last...
...What Sarah Said is set in an ICU "that reeked of piss and 409" and espouses the yearbook wisdom that "love is watching someone die." Gibbard pitches most of his morbidity in an assuring middle range; he doesn't sound like he's singing so much as throwing an arm around your shoulder and advising, like a high schooler playing the prematurely wise friend. It does not add to the appeal...
...cholesterol tends to trigger this process in the arteries that feed the heart. Calcium can then build up in the vessels and stiffen them, laying the foundation for heart disease. Getting one's calcium score is as simple as getting a quick injection of a contrast agent in the arm and a zap from an ultrafast X ray, either by electron beam computed tomography (EBCT) or by multidetector CT. Studies show that in every age group people with higher calcium levels have a greater risk of heart attack than do people of the same age with lower scores...