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...Home buyers have long been able to purchase so-called loan points, which can lower the interest rate they have to pay on their mortgage. Generally, it costs 1% of the total amount of the loan to lower a mortgage rate by a quarter of a percent. That means on a $200,000 loan, a home buyer would pay $8,000 to lower their mortgage rate to 5.5% from the current rate on a 30-year mortgage of about...
...decision is already made and that a requirement to withdraw is all but automatic is wrong. This can be seen in the statistics of Board decisions. In the last academic year there were a total of 81 disciplinary cases before the Board. Of those cases, 23, only 28 percent, ended in the student being required to withdraw. Given that most of what the Board deals with are actually serious offenses sent to us by the faculty, your implication that we automatically send students away is false...
...dissolved in 2002, it looked as if the Bay State’s major motion picture future was destined to be restricted to films explicitly requiring Boston’s unique Puritanical charm. Then, in 2006, Massachusetts joined other states in offering financial incentives—specifically, a 25 percent tax credit for in-state spending—to film productions. It wasn’t long before Tinseltown had changed its attitude toward New England and, in just two years, the Massachusetts film industry has morphed from a nearly non-existent enterprise into a lucrative revenue generator...
...biggest victory came in California, where 63 percent of voters passed into law Proposition Two, which effectively bans the caged confinement of veal calves, gestating pigs, and egg-laying hens. California’s hens will be the most immediate beneficiaries of the ban—20 million of them will be released from their crammed battery cages by 2015, when the law comes into effect. But long term, the effects could go national: After Arizona’s voters passed a similar ban in 2006, Smithfield Foods—one of the nation’s largest pork producers?...
...Visions Given a President who was radioactive and an economy weak in the knees, you could say the outcome should never have been in doubt. Seventy percent more people voted in the Democratic primaries as in the Republican; 9 out of 10 people say the country is on the wrong track. In that light, McCain was his party's sacrificial lamb, a certified American hero granted one more chance to serve, with enough rebel credits on his résumé to stand a chance of winning over disgruntled voters if Obama somehow imploded...