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Amortization

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BUSINESS
By Knight-Ridder Financial Service | August 26, 1991
Here are summaries of recent Computing product reviews. Each product is rated on a scale of one to four, with one computer indicating poor and four indicating excellent:Freelance Graphics for DOS 4.0, for PC or compatible with at least 640K memory, hard disk, DOS 3.0 or later version and graphics display. $495. From Lotus Development Corp., 55 Cambridge Parkway, Cambridge, Mass. 02142. (617) 577-8500.Harvard Graphics 3.0, for PC or compatible with at least 640K memory, a high-density floppy disk drive, a hard disk and a graphics adapter.
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NEWS
By Timothy Sandefur | September 6, 2006
When the Supreme Court handed down its Kelo v. New London decision last year allowing governments to use eminent domain to seize private property and hand it over to developers, people in Maryland and across the nation were outraged. Dozens of states passed new laws to prevent politicians from taking away property rights. But in spite of the public outcry, government officials are devising more tricks to dispossess property owners. One such trick, called "amortization," allows government to take property without even giving owners the "just compensation" to which they are constitutionally entitled.
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BUSINESS
By Knight Ridder/Tribune | July 25, 2004
Several Web sites have online calculators that can help a prospective homebuyer figure out the rate that can be expected and the amount of monthly mortgage payments. Here are a few: Bankrate.com www.bankrate.com/brm/calculators/mortgages.asp Features mortgage and amortization calculators. Relator.com www.homefair.com/homefair/usr/qualcalcform.html Determine the loan amount you can qualify for by income, savings and rate. HSH Associates, Financial Publishers www.hsh.com/calc-howmuch.
BUSINESS
By Jay Hancock | June 12, 2005
IN MID-2004, more and more clients began walking into First Maryland Mortgage Financial Services in Columbia and requesting adjustable, interest-only loans. They were borrowing hundreds of thousands of dollars in many cases, thanks to Maryland's soaring home prices, but they wanted to postpone the consequences of their indebtedness as long as possible. They didn't want to pay a full, market-based rate of interest, not right away. And they didn't want to take even teensy steps toward repaying the principal, which was once the goal of sober borrowers who toiled for decades to throw "mortgage burning" parties.
NEWS
By Timothy Sandefur | September 6, 2006
When the Supreme Court handed down its Kelo v. New London decision last year allowing governments to use eminent domain to seize private property and hand it over to developers, people in Maryland and across the nation were outraged. Dozens of states passed new laws to prevent politicians from taking away property rights. But in spite of the public outcry, government officials are devising more tricks to dispossess property owners. One such trick, called "amortization," allows government to take property without even giving owners the "just compensation" to which they are constitutionally entitled.
BUSINESS
August 17, 1991
Noise Cancellation Technologies Inc.vTCThe Stamford, Conn.-based company, which develops computer equipment to reduce noise and vibrations, announced profitable results for both the second quarter and first six months of the year.Noise Cancellation Technologies' chairman, John J. McCloy II said that first-half operations also continued the trend to emphasize customer-funded applications of the company's technology as opposed to company funding.Sales have gone up sharply as the company has benefited from licensing agreements with other companies to apply its technology to a variety of household and industrial products.
BUSINESS
By Jay Hancock | June 12, 2005
IN MID-2004, more and more clients began walking into First Maryland Mortgage Financial Services in Columbia and requesting adjustable, interest-only loans. They were borrowing hundreds of thousands of dollars in many cases, thanks to Maryland's soaring home prices, but they wanted to postpone the consequences of their indebtedness as long as possible. They didn't want to pay a full, market-based rate of interest, not right away. And they didn't want to take even teensy steps toward repaying the principal, which was once the goal of sober borrowers who toiled for decades to throw "mortgage burning" parties.
BUSINESS
By Kevin L. McQuaid and Kevin L. McQuaid,SUN STAFF | October 31, 1996
Prime Retail Inc. reported operational income yesterday of $9.4 million for the period ended Sept. 30, besting its previous third-quarter performance by more than one-third.The Baltimore-based real estate investment trust attributed the increase in funds from operations before allocations to preferred shareholders and minority interests to the debut of new and expanded retail outlet center projects, an exchange of preferred stock for common and a significant debt refinancing.Specifically, Prime Retail arranged a $260 million loan commitment from Nomura Asset Capital Corp.
NEWS
By GEORGE F. WILL | May 9, 1991
Washington.Remember?Around the curveLickety-splitLovely carWasn't itRoadside doggerel, sponsored by Burma Shave, was part of the fun of automobile travel long ago, when the world was young and the reforming spirit occasionally took a day off.Nowadays, as America approaches perfection, the fine-tuners of life have returned their attention to the republic's remaining billboards. Here comes another of Washington's morality plays -- playettes, really -- pitting ''activists'' against an industry, the former fighting for beauty, the latter for profit.
BUSINESS
January 16, 2000
In the last few weeks I've gotten a few questions on mortgages. The first concerns how to get an amortization schedule for a loan, and the other is whether there is a standard form or document to be used when applying for a second mortgage. A mortgage amortization schedule lists each monthly payment during the loan term and shows how much is principal and how much is interest. A homeowner's bank or mortgage company may provide an amortization schedule for a loan free of charge or for a small fee. Software to create amortization schedules can be downloaded from several Internet Web sites.
BUSINESS
By Knight Ridder/Tribune | July 25, 2004
Several Web sites have online calculators that can help a prospective homebuyer figure out the rate that can be expected and the amount of monthly mortgage payments. Here are a few: Bankrate.com www.bankrate.com/brm/calculators/mortgages.asp Features mortgage and amortization calculators. Relator.com www.homefair.com/homefair/usr/qualcalcform.html Determine the loan amount you can qualify for by income, savings and rate. HSH Associates, Financial Publishers www.hsh.com/calc-howmuch.
BUSINESS
January 16, 2000
In the last few weeks I've gotten a few questions on mortgages. The first concerns how to get an amortization schedule for a loan, and the other is whether there is a standard form or document to be used when applying for a second mortgage. A mortgage amortization schedule lists each monthly payment during the loan term and shows how much is principal and how much is interest. A homeowner's bank or mortgage company may provide an amortization schedule for a loan free of charge or for a small fee. Software to create amortization schedules can be downloaded from several Internet Web sites.
BUSINESS
By Kevin L. McQuaid and Kevin L. McQuaid,SUN STAFF | October 31, 1996
Prime Retail Inc. reported operational income yesterday of $9.4 million for the period ended Sept. 30, besting its previous third-quarter performance by more than one-third.The Baltimore-based real estate investment trust attributed the increase in funds from operations before allocations to preferred shareholders and minority interests to the debut of new and expanded retail outlet center projects, an exchange of preferred stock for common and a significant debt refinancing.Specifically, Prime Retail arranged a $260 million loan commitment from Nomura Asset Capital Corp.
BUSINESS
By Dian Hymer | September 18, 1994
What is negative amortization?Negative amortization is an increase in the principal balance of a loan when the monthly mortgage payment is insufficient to pay the interest owed.A conventional fixed-rate mortgage does not work this way because each monthly payment is enough to cover all interest owed for that period.Negative amortization is most often associated with adjustable-rate mortgages (ARMs) that have a payment cap. A payment cap puts a limit on how much the monthly payment can rise or fall when it adjusts.
BUSINESS
By Knight-Ridder Financial Service | August 26, 1991
Here are summaries of recent Computing product reviews. Each product is rated on a scale of one to four, with one computer indicating poor and four indicating excellent:Freelance Graphics for DOS 4.0, for PC or compatible with at least 640K memory, hard disk, DOS 3.0 or later version and graphics display. $495. From Lotus Development Corp., 55 Cambridge Parkway, Cambridge, Mass. 02142. (617) 577-8500.Harvard Graphics 3.0, for PC or compatible with at least 640K memory, a high-density floppy disk drive, a hard disk and a graphics adapter.
BUSINESS
August 17, 1991
Noise Cancellation Technologies Inc.vTCThe Stamford, Conn.-based company, which develops computer equipment to reduce noise and vibrations, announced profitable results for both the second quarter and first six months of the year.Noise Cancellation Technologies' chairman, John J. McCloy II said that first-half operations also continued the trend to emphasize customer-funded applications of the company's technology as opposed to company funding.Sales have gone up sharply as the company has benefited from licensing agreements with other companies to apply its technology to a variety of household and industrial products.
BUSINESS
By Dian Hymer | September 18, 1994
What is negative amortization?Negative amortization is an increase in the principal balance of a loan when the monthly mortgage payment is insufficient to pay the interest owed.A conventional fixed-rate mortgage does not work this way because each monthly payment is enough to cover all interest owed for that period.Negative amortization is most often associated with adjustable-rate mortgages (ARMs) that have a payment cap. A payment cap puts a limit on how much the monthly payment can rise or fall when it adjusts.
BUSINESS
By KENNETH HARNEY and KENNETH HARNEY,1990 Washington Post Writers Group | November 4, 1990
WASHINGTON -- With home real estate values soft or sagging in the majority of markets nationwide, mortgage-industry experts are warning consumers to stay away from one of the most popular forms of financing left over from the go-go 1980s: mortgages with negative amortization.Negative amortization means a buildup of debt during the term of a mortgage, rather than debt reduction. Widely used in fixed-rate graduated-payment mortgages (GPMs) and adjustable-rate loans, negative amortization allows a borrower to pay an artificially low rate, and to add the deferred payments onto the principal owed to the lender.
NEWS
By GEORGE F. WILL | May 9, 1991
Washington.Remember?Around the curveLickety-splitLovely carWasn't itRoadside doggerel, sponsored by Burma Shave, was part of the fun of automobile travel long ago, when the world was young and the reforming spirit occasionally took a day off.Nowadays, as America approaches perfection, the fine-tuners of life have returned their attention to the republic's remaining billboards. Here comes another of Washington's morality plays -- playettes, really -- pitting ''activists'' against an industry, the former fighting for beauty, the latter for profit.
BUSINESS
By KENNETH HARNEY and KENNETH HARNEY,1990 Washington Post Writers Group | November 4, 1990
WASHINGTON -- With home real estate values soft or sagging in the majority of markets nationwide, mortgage-industry experts are warning consumers to stay away from one of the most popular forms of financing left over from the go-go 1980s: mortgages with negative amortization.Negative amortization means a buildup of debt during the term of a mortgage, rather than debt reduction. Widely used in fixed-rate graduated-payment mortgages (GPMs) and adjustable-rate loans, negative amortization allows a borrower to pay an artificially low rate, and to add the deferred payments onto the principal owed to the lender.
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