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    Q: My wife and I bought our house at the top of the market in 2004. With the plan to stay in Florida for three years, a 5/1 adjustable-rate mortgage, (80/20) with a home equity line of credit was the perfect choice, since we weren't planning on staying long, and didn't have the down payment.
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    These are quick explanations of the statewide initiatives that will appear on the Nov. 4 ballot. If you want more information on the propositions, look for the election booklet published by the Arizona Secretary of State’s Office, or go online to the Secretary of State Ofice’s Web site — http://www.azsos.gov/ — and click on the “elections” link.
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