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Topic: The Borrowers

In the News (Sat 22 Nov 08)

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	The SF Site Featured Review: The Borrowers, The Borrowers Afield, The Borrowers Afloat
		The Borrowers -- the Clock family: father, Pod; mother, Homily; and daughter, Arrietty -- are first introduced to us through the eyes and ears of a young boy sent to convalesce at his great-aunt Sophy's manor in Leighton Buzzard, Bedfordshire (site of Mary Norton's childhood home).
		The close-knit community of borrowers also reflects much better the life and aspirations of the average man, making the story much more believable, and not fanciful dreams of incredibly beautiful princesses and impossibly heroic warrior-princes.
		Her descriptions of borrower indoor living-quarters draw very much from the stage where she performed at different times in her life.
	www.sfsite.com /09b/bor41.htm (1475 words)

	"The Borrowers" / a review from Christian Spotlight on the Movies
		The special effects are neat and the Borrowers use of common items is fun too (dental floss for rope).
		Actually, the whole premise of "borrowing" without asking permission is okay to watch in a movie, but not practice at home.
		My wife and I went to see "the Borrowers", refreshed to actually be able to see a movie that had a positive review with nothing offensive reported...BUT...unfortunately the review failed to mention the one expletive, and more importantly the profaning of God's name.
	www.christiananswers.net /spotlight/movies/pre2000/i-borrowers.html (725 words)

	Home Mortgage Loan Guide - Home Loan Help for Bad Credit Borrowers
		Borrowers' credit will be evaluated and given a grade, where A is the best, B will be credit showing a bit of tarnish, C represents fairly bad credit, D means very bad credit, occasionally I've even seen some F's.
		Borrowers should note that the value used for this calculation on new purchases would almost always have to be the lower of the purchase price or the appraised value.
		Provided the borrower qualifies for the loan based on their credit score and loan to value requirements the next hurdle will be a review of the debt to income ratio.
	www.bankruptcyfilingalternatives.com /bad_credit/home_loan/mortgage_guide.html (2949 words)

	Realty Times - Real Estate News and Advice
		Borrowers with broker-originated loans (25 percent) were more likely to report that they paid points for a mortgage than borrowers with lender-originated loans (15 percent).
		Borrowers with broker-originated loans (26 percent) were twice as likely as borrowers with lender-originated loans (12 percent) to report having a loan with a prepayment penalty.
		Borrowers with broker-originated loans (23 percent) were nearly three times more likely than borrowers with lender-originated loans (8 percent) to report that they did not feel the rates and terms of their mortgage were fair.
	realtytimes.com /rtcpages/20030724_aarp.htm (842 words)

	Minority Subprime Borrowers - Minorities Pay More for Home Ownership
		The race/ethnicity of borrowers is a powerful factor in the penetration of subprime lending in Texas communities.
		Among higher income borrowers, the distinction between subprime lending to Whites and subprime lending to minorities is stark.
		We find Black borrowers are 3.9 times as likely to end up with a refinance loan from a subprime company than non-Blacks (combining all other borrowers), after accounting for all these other factors.
	www.consumersunion.org /finance/minority-rpt1002.htm (2603 words)

	IFAP - Direct Loan Pamphlets
		Borrowers need to be notified of the date, place, and time of their entrance counseling sessions.
		After a borrower’s loan is booked, the borrower will be notified of the location that services his/her loan account (the telephone number and address will appear on all correspondence and on all statements the student receives from the Servicing Center).
		Borrowers are directly responsible for repaying their loans and must keep in contact with the Servicing Center during the period of loan repayment.
	ifap.ed.gov /dlpamphlets/doc0003_bodyoftext.htm (3100 words)

	Mortgage Calculators
		For borrowers who want to know when their loan will pay off, and how much interest they will save, if they shift to a biweekly payment plan, and if they make extra voluntary payments in addition to their required biweekly payment.
		For borrowers with enough cash to make a down payment in excess of the minimum required on a particular loan, who want to know whether using the cash to increase the down payment is a good investment.
		For borrowers trying to decide whether they should take a second mortgage, either to avoid mortgage insurance or to avoid the higher interest rate on a jumbo as opposed to a conforming loan amount.
	www.mtgprofessor.com /calculators.htm (1244 words)

	The borrowers - Money - Business - Home - smh.com.au
		The cheapest way to borrow to invest is through an extension of a home loan.
		Borrowing to invest should never be considered a surefire winner, says Kevin Bailey, the founder of the Money Managers.
		A popular strategy is to pre-pay interest on next year's borrowings before June 30 and claim the tax deduction this financial year.
	www.smh.com.au /news/Money/The-borrowers/2005/06/07/1118123830710.html (2196 words)

	Remarks by Susan V. Berresford at the Fannie Mae/Ford Foundation/Self-Help Event
		This research is measuring the ability of the borrowers to pay their mortgages and the effect that homeownership is having on their financial and other assets.
		The vast majority of these borrowers were not required to obtain mortgage insurance, a significant departure from normal practice and a saving to families on tight budgets.
		This is an important finding, because it indicates that, in addition to building financial assets, most low-income borrowers also have demonstrated that they are good credit risks and can, at least so far, and contrary to prevailing expectations, repay their mortgages in conformance with the standards of the prime lending market.
	www.fordfound.org /news/view_news_detail.cfm?news_index=134 (1332 words)

	THE BORROWERS (Site not responding. Last check: )
		Unbeknownst to the "human beans," there is a family of miniature people, the borrowers, who also live in the house and are the ones responsible for borrowing those items that often turn up missing.
		The cast members who are the borrowers play an essentially innocuous family group that borrows items so that they can live their lives as "normally" as possible.
		Instead of searching for ancient artifacts, however, the borrowers are on a precarious mission to replace something extremely important to them -- a AA battery that powers their "borrowed" string of Christmas lights that illuminate their home.
	www.screenit.com /movies/1998/the_borrowers.html (2706 words)

	Folio Books: Review of The Borrowers by Mary Norton
		Among other things The Borrowers is a portrait of a family; their personalities (none of them perfect) and the ways they get along together (or sometimes don't) bring them vividly to life and straight into our hearts.
		Up to a certain point, it seems to say, "borrowing" odds and ends, and certainly leftovers which would otherwise be wasted, is harmless (in fact, schools using The Borrowers as a literature text nowadays often see it as recycling, and therefore admirable).
		In The Borrowers Aloft they are captured and imprisoned in an attic for an entire winter by Sidney and Mabel Platter, who also have a model village and who plan to blow away the competition in the spring by exhibiting them in a glass cage.
	community.wow.net /folio/Borrowers.html (1683 words)

	Creative Mortgage Solutions - The Mortgage Loan Process
		If the borrowers' financial situation is satisfactory according to the lender's guidelines, a Pre-Qualification Certificate will be provided to them and their Realtor.
		The borrowers can now have the confidence that they are likely to be approved and proceed to work with their Realtor to find an appropriately priced home.
		Many loans are credit pre-approved, before the borrowers pick their future home, negotiate the purchase and sale and request that the appraisal be done.
	www.cmshomeloan.com /loanprocess.asp (544 words)

	The tale of the borrowers and lenders?
		A common factor in the financial crisis in several countries was the failure of most debtors to hedge the foreign exchange risk of borrowing in foreign currencies.
		A large part of this borrowing was in US dollars and this constrained the domestic borrowers to undertake the additional cost of hedging the risk of a change in the exchange rate against the dollar because the domestic currency had remained pegged to the dollar for long periods of time.
		Most borrowers would also have reasoned that authorities held ample foreign exchange reserves to defend the peg against speculative attack.
	www.pakistaneconomist.com /issue2000/issue49/f&m3.htm (783 words)

	Legal Form No. Eq. - 5
		The Borrowers shall pay the rates, taxes, out-goings and other charges payable to any authority for the maintenance and upkeep of the Hypothecated assets or the place where it is stored and shall keep the same free from any distress.
		In case the Borrowers shall not utilise the hypothecated asset for the purpose for which the loan is granted in terms of the letters of sanction such a default shall be treated as a breach of terms and conditions hereof.
		The Borrowers shall furnish and verify all statements, reports, returns, certificates and information from time to time and as required by the Corporation and give and execute any necessary documents required to give effect to this security.
	www.ipicolorissa.com /form_legaleq5.htm (1894 words)

	MuggleNet \| The Book Trolley - The Borrowers - Reviewed By Robbie Fischer.
		She and her brother and sister were raised in India, but during a trip to England the brother contracted rheumatic fever and was sent to a great-aunt's house in the country to convalesce.
		The story itself is about the Clock family, the last 3 borrowers left in old Aunt Sophie's big house in the country, where they live off the little things left unattended by the invalid aunt, her cook/housekeeper Mrs.
		Their daughter Arrietty, however, longs to spread her wings, since only her father is allowed out of their little house under the kitchen floor, and the only sign of a larger world she has ever seen is the view of a grassy bank, through a grate on the side of the house.
	www.mugglenet.com /booktrolley/mn-borrowers.shtml (766 words)

	Review: The Borrowers
		Loosely speaking, The Borrowers belongs to the Home Alone genre (clever, little underdogs defeat big, bulky bad guys while inflicting enormous physical discomfort upon the villains), which might be something of a surprise to those who hold the Norton books in high esteem.
		The Borrowers presents its tale from two perspectives: that of the normal-sized humans and that of the 4-inch high borrowers.
		In The Borrowers, the viewer isn't forced to identify with an animatronic rodent or an irritating child actor.
	www.reelviews.net /movies/b/borrowers.html (859 words)

	The Borrowers (Site not responding. Last check: )
		But I was in for a shock, The Borrowers is actually a thoroughly delightful movie with plenty of good laughs and even some decent special effects.
		The Clock family of borrowers is as distressed as the Lenders, especially once they discover the evil Potter actually has a copy of the will which leaves the home to the Lenders.
		Hopefully The Borrowers will surpass the curse of being labeled a children-only movie, for it is surprisingly entertaining and fun to watch.
	www.cinematter.com /movie.php3?borrowers (409 words)

	Home Equity Scams: Borrowers Beware! (Site not responding. Last check: )
		Homeowners-particularly elderly, minority and those with low incomes or poor credit-should be careful when borrowing money based on their home equity.
		Certain abusive or exploitative lenders target these borrowers, who unwittingly may be putting their home on the line.
		At the end of the loan term, the principal-that is, the entire amount that you borrowed-is due in one lump sum called a balloon payment.
	www.ftc.gov /bcp/conline/pubs/homes/eqscams.htm (1571 words)

	CNN.com - Glitch forces increase in 800,000 student loan payments - Apr. 17, 2003
		"The people who noticed it on the borrower's side were near the end of the term and realized that there was a mismatch between how much they had to pay and how much time was left to pay," deLaski said.
		The spokeswoman said borrowers unable to pay the extra amount added to their monthly payments may apply for a loan extension.
		The problem did not result in borrowers paying amounts that exceed the terms of their original loan and interest agreements, she said.
	cnn.com /2003/EDUCATION/04/17/student.loans.ap/index.html (385 words)

	The Borrowers . Nashville Scene . 02-23-98
		The Borrowers are a race of three- to six-inch-high humans who live beneath the floorboards of the big people that they call "Beans" (as in human beans).
		The Borrowers have made their nest out of lost bank cards, game pieces, and food packaging; one can almost imagine some disgruntled Bean playing a hand of solitaire and wondering what became of his four of clubs.
		The Borrowers is based on a popular series of children's books by Mary Norton; if this installment spawns a sequel, I hope the plot that the filmmakers borrow next time around is as imaginative as the characters that enact it.
	www.filmvault.com /filmvault/nash/b/borrowersthe1.html (354 words)

	Our Kids: Features >> The Borrowers at Imagination Stage
		Their ensuing discussion about what constitutes 'borrowing' and whether or not it should be classified as 'stealing' is hilarious.
		Their friendship leads to trouble though, because soon the borrowers are discovered by Ms.
		Driver (or "the mean lady" as dubbed by the OK intern) and the family is forced out of their miniature home beneath the floor.
	www.our-kids.com /borrowers.shtml (720 words)

	Payday Loans: Laws Protecting Montana Borrowers, from the Montana State University Extension Service
		The Montana State University Extension Service is an educational resource dedicated to improving the quality of people's lives by providing research-based knowledge to strengthen the social, economic and environmental well-being of families, communities and agricultural enterprises.
		The payday loan industry has emerged in response to consumer demand for small loans (from $50 to $300) for short periods of time (from one to 31 days) that typically are not made by traditional lenders.
		Borrowers who habitually overuse these types of loans can find themselves on the road to financial disaster because of the relatively high costs of obtaining the loans compared to the costs from other sources.
	www.montana.edu /wwwpb/pubs/mt200102.html (2716 words)

	Who should get an interest-only mortgage? (Page 1 of 2)
		After the end of that term, usually five to seven years, you either refinance, pay the balance in a lump sum, or start paying off the principal, in which case the payments jump skyward.
		If there were such an animal as a typical interest-only borrower, it would be an executive who earns a moderate salary and whose main income is from bonuses once or twice a year, says Jim McFadden, program manager for private mortgage banking for Wells Fargo.
		Historically, interest-only mortgages were for affluent borrowers, he says, but "you've seen the product come down-market a little bit in the last couple of years."
	www.bankrate.com /brm/news/mtg/20020620b.asp (498 words)

	RTÉ.ie Entertainment: The Borrowers
		While accompanying her father Pod (Walsh) on their first borrowing trip Arrietty (Dillon) befriends the boy (Fitzpatrick), who is recuperating from rheumatic fever and lives with the stern housekeeper Mrs Driver (Breen).
		The arrival of wild borrower Spiller (Kelly) points them in the direction of their long lost relatives, who also had to leave the house.
		Mrs Driver is put in her place, and the happy ending, imbued with a carefree dance from the ensemble, left the predominately young audience in good spirits at the show's end.
	www.rte.ie /arts/2004/1214/borrowers.html (505 words)

	The Borrowers (1997)
		The Borrowers are four-inch high "little people" who live under the floorboards.
		This is a great family film which I highly recommend.
		The story is based on a family of borrowers which are small people living in a normal sized house somewhere in the depths of the English countryside.
	www.imdb.com /title/tt0118755 (389 words)

	The Borrowers Trailer, Reviews and Schedule for The Borrowers \| TVGuide.com
		Before there was MOUSE HUNT, before the Szalinski kids got shrunk, there were the Borrowers.
		Mary Norton's 1953 children's book about a family of little red-headed people who live beneath the floorboards of an old house and "borrow" the necessities of life from their unsuspecting human hosts won a slew of prizes and still has the power to enchant young readers.
		There are no community posts for The Borrowers.
	www.tvguide.com /movies/borrowers/132939 (100 words)

	USDA Rural Development's Electric Programs - About Us
		They are in touch with their borrowers and state regulatory commissions to gather information on local activities to inform headquarters staff, who, in turn keep the GFRs informed of Federal actions and industry-wide trends.
		Borrowers are actively encouraged to comment on these rules.
		They maintain a continuing financial and management overview of power supply borrowers to ensure that their operations are consistent with sound fiscal policies and procedures, loan security, and with loan contracts, mortgages, and regulatory requirements.
	www.usda.gov /rus/electric/service.htm (1119 words)

	Summary
		GAO was asked to examine (1) how consolidation borrowers differ from nonconsolidation borrowers; (2) how federal costs have been affected by recent interest rate and loan volume changes; and (3) the extent to which repayment options--other than consolidation--are available to help simplify and reduce loan repayments.
		For example, the average student loan debt among consolidation borrowers prior to consolidating their loans was about $22,000 versus about $10,000 for nonconsolidation borrowers.
		Lower interest rates available to borrowers in fiscal year 2003 increased these costs because FFELP consolidation loans carry a government guaranteed rate of return to lenders that is projected to be higher than the fixed interest rate consolidation loan borrowers pay.
	www.gao.gov /docdblite/details.php?rptno=GAO-04-101 (617 words)

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