Word: locked
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...first seven years of the U.S. occupation of Japan, the military administration kept the islands under lock and key. No critical news escaped the previously fascist state, which was seen before the war as entirely unreceptive to democracy. All of the journalism sent to the world, and especially to America, was delivered via the military news agency, Stars and Stripes. Millions of letters were censored, if not destroyed...
Parents battling skyrocketing college costs get an extra weapon this week as the first prepaid tuition plan designed for private colleges and universities makes its debut. Like the prepaid plans many states run for residents, the Independent 529 Plan is a tax-advantaged way to lock in tuition at today's rates, thus hedging against cost increases like last year's 6% average jump. The plan sells discounted tuition credits good at more than 220 private schools, from Amherst to Princeton. Contributing $10,000, for example, buys a full year at a like-priced college or half a year...
...feet or someone laying it in so they could first-touch get a cross off,” Westfall said. “They were pushing their line up, so we just tried to hit it to the corner flag, get them facing their own goal and then lock them...
There's another pitfall: a lock-in can be canceled if the loan processing isn't completed by the time the agreement expires. Unanticipated delays can crop up in a number of ways. For example, applicants may be slow to produce all required documents. "If you have bad credit or bad records, it's not the bank's fault," says Fresella. Sometimes, though, it is the bank's fault. Lenders bogged down with application backlogs may not be able to process paperwork quickly. Under those circumstances, lenders may offer to extend the deadline as long as 30 days. In some...
...avoid unpleasant surprises, know when your lock-in agreement expires, and keep close tabs on your application during processing. Levine was lucky: frequent calls to her loan officer eventually helped her close on the refinancing on time at the 5% rate. "You really have to fight hard to make sure your loan is refinanced or processed in time," says Levine. Eternal vigilance may be the price of a low mortgage rate...