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 loans. The most common type of home improvement loan is a home equity loan. This can either be a standard home equity loan or home equity line of credit (HELOC). Because they're secured by the equity in your home, they can offer low interest rates and the interest you pay is usually tax-deductible. Home equity loans are a type of second mortgage; that is, they're a home loan that's subordinate to the primary mortgage used to purchase the property.