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De facto

• Existing in actual fact although not by official recognition.

 
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 Oat or oats obligations assimilables de tresor

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Tips for Trying to Fix a Clogged or "Frozen" Home Equity Line: For years, homeowners have turned to home equity lines of credit (HELOCs) as a way to borrow against their home's value to pay for college tuition, home improvements, medical bills and other major expenses. (A home's equity is the market value minus what is owed on the mortgage. If you owe $100,000 on your mortgage but your home is worth $250,000, your equity is $150,000.) More...

Flaming enthusiasm backed by horse sense and persistence, is the quality that most frequently makes for success. - Dale Carnegie

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