A president pro tempore is the leader of the Senate when the  Vice-President is not there. (pro tempore is Latin phrase which  means for the time being.) Unlike the VP, he â¦ can also vote to  create a tie, since he is a Senator. The position is elected by the  Senators.
Home equity loans and lines of credit. Where rates are now: 4.72 percent average for a HELOC; 6.03 for a home equity loan. Projected rates for end of 2015: 5.2 percent average for a HELOC; 6.5 percent for a home equity loan. Rates on both home equity loans and lines of credit wonât change much during first half of the year, at least not until the Fed raises short-term interest rates. The change to home equity lines of credit may be more pronounced.
Rates on this type of loan will depend on your credit score, and youâll have a down payment of 10%-25% of the boatâs purchase price. Home equity loan: If you have significant equity in your home, you can take out a home equity loan or line of credit to use for basically anything.Payments on home equity loans are usually tax-deductible, and these loans allow you to take advantage of todayâs low home loan interest rates.ome equity loan: If you have significant equity in your home, you can take out a home equity loan or line of credit to use for basically anything. Payments on home equity loans are usually tax-deductible, and these loans allow you to take advantage of todayâs low home loan interest rates.