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  2. Home equity line of credit - Wikipedia

    en.wikipedia.org/wiki/Home_equity_line_of_credit

    A home equity line of credit, or HELOC (/ˈhiːˌlɒk/ HEE-lok), is a revolving type of secured loan in which the lender agrees to lend a maximum amount within an agreed period (called a term), where the collateral is the borrower's property (akin to a second mortgage). Because a home often is a consumer's most valuable asset, many homeowners ...

  3. Manhattan - Wikipedia

    en.wikipedia.org/wiki/Manhattan

    Manhattan is unique in the U.S. for intense use of public transportation and lack of private car ownership. While 88% of Americans nationwide drive to their jobs, with only 5% using public transport, mass transit is the dominant form of travel for residents of Manhattan, with 72% of borough residents using public transport to get to work, while ...

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