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An option ARM is an adjustable-rate mortgage with a twist. You don’t pay a set amount each month. Instead, the lender sends a monthly statement with up to four payment options. You simply choose the amount you want to pay that month and then submit your payment

Minimum payment: This is calculated using an “initial” interest rate that can start as low as 1.25 percent. Because this payment is so low, it’s useful for months when you don’t have much cash on hand, perhaps because you are waiting for a commission or bonus check. But any unpaid interest gets deferred, or added to the principal of the loan, so your principal grows.

Blogging appears The term "weblog" was coined by Jorn Barger on 17 December 1997 . The short form, "blog," was coined by Peter Merholz...

Blogging gains popularity In 2004, the role of blogs became increasingly mainstream, as political consultants , news services and candidates began using them as tools for outreach and opinion forming...