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.
Variable interest rate. When you have a variable interest rate on your home equity line of credit, the rate can change from month to month. The variable rate is calculated from both an index and a margin. An index is a financial indicator used by banks to set rates on many consumer loan products.