A home equity loan is a loan for a fixed amount of money that is secured by your home. You repay the loan with equal monthly payments over a fixed term, just like your original mortgage. If you donât repay the loan as agreed, your lender can foreclose on your home. The amount that you can borrow usually is limited to 85 percent of the equity in your home. The actual amount of the loan also depends on your income, credit history, and the market value of your home. Ask friends and family for recommendations of lenders. Then, shop and compare terms.
This undated image released by the Atapuerca Research Team (EIA) on March 26, 2008, shows a small piece of jawbone unearthed in a cave in Spain. The jawbone is the oldest known fossil of a human ancestor in Europe and suggests the continent was peopled much earlier than previously believed, scientists say.
Researchers have uncovered a new clue about human origins after discovering the oldest known human DNA in a legendary Spanish archeological site called Sima de los Huesos, or the Pit of Bones.. Researchers were able to extract DNA from a leg bone that was estimated to be 400,000 years old. After extracting the DNA from a femur bone, Matthias Meyer, who published his findings in a study in the journal Nature, was able to replicate the entire genome for the ancient human relative.