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People are taking out all kinds of adjustable rate mortgages these days, and it’s hard to keep them all straight. As interest rates move up, consumers must remember to be careful with these loans because the rate can suddenly shoot up. It’s also important to remember that if you’re refinancing, many of these loans have pre-payment penalties. About 60 percent of home equity lines or and 40 percent of home equity loans now carry pre-payment penalties. So, if you pay off the loan, you get stuck paying a fee. These penalties are often in mice-type hidden somewhere in the paperwork. So be sure to ask your lender and do your homework before you open one of these loans. Also consider whether it’s a good idea to buy an adjustable loan. Rates are moving up, and fixed-rate, long-term loans are much safer and smarter in the long run.

Ad agencies are coming up with some wacky ways of standing out in a crowd. Ads carved into the sand and temporarily tattooed on foreheads are just two of the latest crazes. We’d talked before about a man who offered up his forehead on eBay, and he got almost $40,000 to do it. Andy Fisher has even gotten a second ad for $5,000. And, now more people want in on the deal. One person got $13,000 to put a permanent ad on his arm. How much would you ask to offer up a body part?