Word: loan
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...best way to do this is with a home-equity line of credit. Lines of credit, like home-equity loans, are second mortgages with a typical 10-year term that are secured with a lien, or claim, against your house. When you receive a home-equity loan, the lender cuts you a big check and requires that you begin repaying the loan immediately, with interest. Not so with lines of credit. You draw down only what you need, when you need it--and only then do you begin paying the lender. For that reason, says Keith Gumbinger, vice president...
...always been a cash buyer, 0% financing is best because it allows you to invest the money until the payments are due. The decision isn't as clear cut if you need to stretch out the payments over four or five years. On a 48-month loan, you can generally figure that each percentage point you lop off the interest rate will save you $20.50 for every $1,000 that you borrow. You can head to cars.com on the Web, where an incentives-comparison calculator will allow you to see a side-by-side snapshot...
Members of Congress have proposed a host of bills to fix that, by giving Amtrak and the states anywhere from $20 billion to $70 billion in tax-exempt bonds and loan guarantees. But despite a diverse coalition of passenger-rail supporters, from Senate majority leader Tom Daschle to his Republican counterpart Trent Lott, it's unlikely that Amtrak will control all the funding or that it will survive much longer in its current form...
Last night, the coalition and the AIDS Education and Outreach organization co-sponsored an art exhibit opening in the Adams House Art Space that featured rare paintings showing people affected by AIDS. The art selections were on loan from the Harvard AIDS Institute and K. Anthony Appiah, Carswell Professor of Afro-American Studies and of Philosophy...
Again, the conventional wisdom is wrong. As I see it, the core competency of a consulting firm or an investment bank isn’t any of these low value, commodity services that your average junior loan officer at Fleet Bank could do in his sleep. The real value these companies bring to the world and to their shareholders is their unmatched skill at recruiting fresh-faced young students from the Ivy League. Those lavish dinners with the managing directors, those Morgan Stanley-emblazoned squeeze balls and those endless series of first round, second round, supplemental, on-site, off-site...