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Your final loan option is to mortgage or refinance your current mortgage. If you own your home outright and do not have a current mortgage, you will have no difficulty refinancing your home. You can borrow as much as 80 percent of the current value of your home. If you currently have a mortgage, the option to borrow is the same, provided you have equity in your home. Here s how it works: Your home mortgage was originally $500,000 You currently owe $100,000 on the mortgage Your bank says you can borrow 80 percent of the equity of the total value Equity available: $400,000 You can borrow $320,000 So why can t you borrow 100 percent of the total value of your home The mortgage lender/holder, usually a bank, requires 2 to 10 percent to resell a home if the home goes into default (you cannot pay your mortgage). In addition to these banking expenses, if the mortgaged real estate drops in value, the owner will have borrowed more money than the home is worth. If the borrower of the loan defaults, the bank will lose money. The benefits of a new mortgage are numerous. You can choose the terms that best suit your needs; you can borrow the amount that you need; you can shop for the best lender, which lets you select the best rate and loan terms. You can lock in a fix rate that cannot be changed. Finally, your mortgage interest is tax-deductible. Using the equity in your home is often the best solution for home improvements.

In this chapter, we ll have a look at how SQL is used in applications. An application is a set of computer programs designed to solve a particular business problem, such as an order-entry system, a payroll-processing system, or an accounting system. Applications can be built using a general-purpose procedural programming language such as Java, C, or C++, or a programming environment such as the Microsoft .NET Framework. A procedural programming language speci es an explicit sequence of steps to follow in order to complete a transaction. In applications that use relational databases, the application developers use various techniques for communicating with the database, which of course includes sending SQL statements to the database for processing and dealing with the results. This chapter explores some of those techniques.

plan based on input from employees, the management team exercises control over processes, and improvement occurs when all minds in the company work toward it. But leadership more than management is what s needed to create a superior company. Leadership inspires employees toward a common goal, defining their purpose, communicating the consequences of low performance, and rewarding excellence rather than mediocrity. We ve all seen executives who created several multimilliondollar problems and were rewarded because they then solved those problems! Examples abound of leadership teams that implement poorly planned, controlled, and executed decisions, yet who still receive incentives in hopes of better results next time. Without new systems and processes, the second time around is not going to be any better than the first. Any business has three segments: leadership, operations, and support. The business theater of operations must include superior leadership, excellent management, and committed employees. In such a model, the leadership plans to become a superior company through proper goal setting for higher profit margins. The management team manages processes for dramatic improvement (highest quality in the shortest time). Employees produce innovative products or deliver services with love and care. Of course, what goes around comes around. Employees will only care when they are cared for by the leadership.

Procedural programming languages are designed to handle one record at a time (one object instance or collection at a time in the case of object-oriented languages such as Java). This presents a dilemma when SQL is used in conjunction with the programming language because SQL queries typically produce result sets that contain multiple records (rows) of data. There is a mismatch that must be addressed. To overcome the mismatch, most relational databases support the concept of a cursor, which is merely a pointer to a single row in the result set. In Oracle, cursor support is included in a procedural language SQL extension called PL/SQL (Procedural Language/SQL) and similarly is included in Transact-SQL in Sybase Adaptive Server and Microsoft SQL Server. These procedural SQL extensions are discussed later in this chapter. The use of a cursor parallels the use of a traditional at le in that the cursor must be de ned and opened before it may be used, it may be read from by fetching rows in a programming loop, and it should be closed when the program no longer needs it.

A cursor must be declared before it can be referenced by any other SQL statements. Here is the general syntax of the DECLARE CURSOR statement that de nes a cursor: