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.
Home Equity Line of Credit â The Annual Percentage Rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of June 18, 2015, the variable rate for home equity lines of credit ranged from 3.99% APR to 8.24% APR.