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New blog on social entrepreneurship from College of Wooster

in Audeamus - How dare we..., on July 5, 2009

...ur introductory post here. - Click here to read about the history of social entrepreneurship at The College of Wooster. - Check out our program vision for Global Social Entrepreneurship. - Read our en...

Neverland's future: up for grabs

in Sox First, on July 4, 2009

...towards bankruptcy. He was believed to be paying 20% debt interest on approximately $270 million in loans or roughly $54 million per year and with insufficient income, he was sinking deeper into debt....

Paoo Jewelry

in The Jewelry Weblog, on July 3, 2009

...urage women from all walks of life to celebrate their shining moments - whether they are graduating college, recently became a mom, reached an important milestone in their personal or professional liv...

It's getting tougher to get a mortgage-broker license

in The Mortgage Roadmap, on July 2, 2009

...al means to make monthly mortgage payments. These same sleazy brokers steered homeowners into risky loans, mortgage products such as interest-only loans and adjustable-rate mortgages with artificially...

Is plain vanilla the right goal?

in The Mortgage Roadmap, on June 30, 2009

...e options. The goal here is to make sure that consumers know that they can take out basic mortgage loans — without adjusting interest rates, interest-only options or any of the other fancy stuf...

Credit Scores and Car Insurance

in The Personal Finance Weblog, on June 29, 2009

... you get a better credit score. It will enable you to get lower interest rates on credit cards and loans, too. ...

Would you walk away from your mortgage loan?

in The Mortgage Roadmap, on June 29, 2009

If your home lost half of its value — not too unbelievable of an occurrence in today's housing market — would you be willing to simply walk away from your mortgage? Would you have any qualms about not making that monthly payment and simply leaving your house behind? Surprisingly, a ...

国际学校对孩子好吗?

in Wangtam, on June 28, 2009

几乎所有人都认同一点,那就是在国际学校接受教育的儿童就是有点与众不同。 国际学校的孩子的确与众不同 "他们具有相当的国际视野,视野非常开阔。他们更能跳脱框框来思考问题,"国际学校评级机构"国际名校指南"(Good Schools Guide International)的编辑哈丽特·普莱勒(Harriet Plyler)说。 这些孩子往往出自在不同国家不断迁徙的家庭,有时会在多个不同国家的国际学校接受教育,他们甚至有自己的绰号,被称为"第三文化孩子"(TCK)。 "他们非常了解国际事务,当他们回到祖国,他们会碰到...

Did Sonia Sotomayor's mortgage views help send county into recession?

in The Mortgage Roadmap, on June 23, 2009

...ae and Freddie Mac, along with other advocacy groups, pushed to get lower-income residents mortgage loans so that they, too, could enjoy the benefits of owning a home. Of course some — but certa...

Beware of loan-modification scams

in The Mortgage Roadmap, on June 21, 2009

...payments or those who are facing foreclosure. They promise to modify these homeowners' mortgage loans. But they end up doing nothing, or next to nothing, for the money they're paid. The East ...

Supply chain education ranking: Penn State becomes No. 1

in Supplychainer, on June 21, 2009

Probably the question of "Which program to choose?" is what many potential supply chain students are facing: Different programs have popped up here and there and many reputable universities are offering supply chain education programs. So AMR Research recently conducted a research to prepa...

Have a Ball - in Dublin...

in Wandalust, on June 21, 2009

...r of museums and academic halls to wander. No trip to Dublin is complete without a visit to Trinity College, for example. But you can also take in a football game - with 50,000 other Irish fans. Of ...

A new wave of mortgage foreclosures on the way?

in The Mortgage Roadmap, on June 18, 2009

...omeowners who during the housing boom took out option adjustable rate mortgages . In these type of loans, borrowers can decide to pay less than what their monthly balance is. The difference is simply...

Do you trust the government to protect you from mortgage lenders?

in The Mortgage Roadmap, on June 18, 2009

... Do you have faith that the government can protect you and other borrowers from bad mortgage loans pushed by shady mortgage lenders? If you answered "yes" to this question, you'll be...

Does Obama's patchwork overhaul go far enough?

in Sox First, on June 18, 2009

...firms to carry more capital to guard against losses. They will also have to retain a portion of the loans they package and sell. Another move will impose stricter rules on all those once-lucrative, an...

Does owning a home have to be the American Dream?

in The Mortgage Roadmap, on June 17, 2009

... and bought homes that were too expensive for them. Mortgage lenders were lazy, and passed out home loans to people who clearly couldn't pay them back. Real estate agents didn't do enough to d...

Throwing the book at Madoff

in Sox First, on June 16, 2009

...nue to live on, a home I cannot sell, and a son for whom all of this was about now unable to attend college because Madoff stole his college fund as surely as he stole our future. "Madoffs inves...

How'd the mortgage meltdown happen? NPR knows

in The Mortgage Roadmap, on June 15, 2009

...where you can learn everything you ever wanted to know — and then some — about mortgage loans, bad lending practices, subprime mortgages and the reasons why the mortgage industry went so w...

Want a better credit score? Manage your money

in The Mortgage Roadmap, on June 12, 2009

...y change your spending habits. Home buyers with the highest credit scores qualify for the mortgage loans with the lowest interest rates. Buyers whose credit scores - also known as their FICO scores -...

Is it time to refinance your mortgage?

in The Mortgage Roadmap, on June 10, 2009

...lano, Texas, that the story quotes, it generally makes sense for homeowners to refinance their home loans if their savings will in two years cover their closing costs, which can run at $2,000 or more ...

Are reverse mortgages the next trouble spot?

in The Mortgage Roadmap, on June 8, 2009

...ly, it doesn't always work that way. Loan officers are not above pushing inappropriate mortgage loans on borrowers. A top U.S. banking official agrees. John Dugan, the U.S. comptroller of the cur...

Wells Fargo accused of pushing bad loans on African-Americans

in The Mortgage Roadmap, on June 8, 2009

... Whenever I tell people that borrowers shouldn't always be blamed for the bad mortgage loans that they take out, I get sneers. These borrowers should have done their homework before taking out...

Martine Wester Jewelry

in The Jewelry Weblog, on June 8, 2009

...t moved to England at the age of fifteen. In1988, Martine was accepted into a course at the London College of Fashion . Inspired by the know-how she accumulated in the fashion business and spurred on...

Subprime and racism

in Sox First, on June 7, 2009

...rican and Hispanic communities, and the way banks had targeted these people for predatory and toxic loans. As Melvin Oliver and Thomas Shapiro wrote in The American Prospect toward the end of last y...

Banks fight to keep accounting tricks

in Sox First, on June 6, 2009

...he US economy in smoking ruins. They inflated the credit bubble by letting banks originate and sell loans without having to put aside much capital for them. As a result, the banks were making a whole ...

Mortgage giant Mozilo charged with fraud

in The Mortgage Roadmap, on June 5, 2009

...39;ll find people like Angelo Mozilo, former head of Countrywide Financial and Countrywide Home Loans. You might remember that Countrywide, which was once the nation's top mortgage lender, col...

Napster Turns 10

in P2P File Sharing, on June 3, 2009

... © bixentro Ten years ago this week, college student Shawn Fanning released the first version of Napster — and the music industry has never been the same. "Without the original Na...

Be honest with your finances before taking on a mortgage

in The Mortgage Roadmap, on June 2, 2009

...f the biggest factors? Borrowers weren't honest with themselves before taking on their mortgage loans. A mortgage loan is a huge responsibility. For most people, it's the biggest monthly expe...

Kevia Jeffrey-West Jewelry

in The Jewelry Weblog, on June 2, 2009

.... Kevia's jewelry is influenced by travel and her ongoing exploration of mixed media art. Her college and graduate school studies led her to Africa, where precious stones are mined and readily a...

More bad news: Mortgage delinquencies on the rise

in The Mortgage Roadmap, on May 29, 2009

...ncy or foreclosure . According to the Post story, about 12.07 percent of the nation's mortgage loans were either delinquent or in foreclosure in the first quarter of this year. This marks the hig...

More housing woes

in Sox First, on May 29, 2009

...are in serious trouble. What's even more concerning is the fact that it's not the subprime loans that are the main cause of the problem. Prime fixed-rate loans now represent the largest share...

Mortgage interest rates went up. Don't panic!

in The Mortgage Roadmap, on May 28, 2009

...y: Don't panic. Yes, we all want the lowest mortgage interest rate when we are refinancing our loans. I understand that. But rates are still at historic lows. A 5.45 percent interest rate is stil...

Is your credit score falling?

in The Mortgage Roadmap, on May 27, 2009

...us. Credit scores have become the key indicator that determines whether people qualify for mortgage loans. When credit scores dip, it certainly is not a good omen for the future recovery of the housin...

Vera Wang Jewelry

in The Jewelry Weblog, on May 27, 2009

...27, 2006, Wang was awarded the Andre Leon Talley Lifetime Achievement Award from the Savannah College of Art and Design. Vera Wang Small Choker Necklace Inspired by the linking of a motorcycle ...

Loan modifications not always helping homeowners

in The Mortgage Roadmap, on May 26, 2009

...ns aren't quite working . The paper cites a Fitch Ratings report that points out that subprime loans that have been modified are turning bad again at high rates, even with a change in loan terms....

You can lower your mortgage interest rate -- BEFORE you take out that loan

in The Mortgage Roadmap, on May 25, 2009

...e housing boom of 2001 through 2006, lenders offered a host of low-down-payment and no-down-payment loans. Those have largely disappeared now that the nation is suffering a housing slump. The higher t...

How low will interest rates go? Who knows?

in The Mortgage Roadmap, on May 22, 2009

...en better if you're interested in a 15-year fixed-rate loan. The average interest rate on these loans checked in at 4.63 percent this morning. With rates like these — and there's no hin...

Alex and Ani Jewelry

in The Jewelry Weblog, on May 22, 2009

... $158 As alumna of the art and business schools at the University of Rhode Island and the American College in London, Rafaelian has successfully parlayed her entrepreneurial spirit and natural gift o...

Merced County California Looking for Entrepreneurs

in TJ's Weblog, on May 21, 2009

... Agency, which works in the western area of Merced County, are able to provide some microenterprise loans of up to $50,000 to help people start businesses. Small business operations run by entrepreneu...

The refi money is still flowing

in The Mortgage Roadmap, on May 21, 2009

...at have resulted in lower mortgage interest rates. This means that buyers who qualify for mortgage loans at an interest rate at or slightly below 5 percent — not unusual these days for a 30-yea...

How bad is the housing market? That depends

in The Mortgage Roadmap, on May 19, 2009

...buyers who may not have a ton of money to throw at a new home. Cheaper homes equal smaller mortgage loans. And that's something any homebuyer can appreciate....

Cashing in on the disgust with banks

in Sox First, on May 19, 2009

... the footsteps of retail giant Tesco which is moving into banking with a a full range of savings, loans and insurance products. Lucy Neville-Rolfe, corporate and legal-affairs director at Tesco told...

Will federal mortgage loan assistance hurt your credit rating?

in The Mortgage Roadmap, on May 18, 2009

...ew Making Home Affordable program — which lets homeowners refinance their existing mortgage loans or modify them to make their payments more affordable — might be a blessing. The feder...

Times' reporter's story a reminder: It's easy to fall into foreclosure nightmare

in The Mortgage Roadmap, on May 15, 2009

...y tell me that they're frustrated that homeowners who were simply greedy, and took out mortgage loans with artificially low initial interest rates, are now placing a burden on the rest of us taxpa...

Financial crisis winners to hurt banks

in Sox First, on May 15, 2009

...lending marketplace" and which has garnered more than 790,000 members and some $169 million in loans since its debut in 2006, LendingClub and Zopa . As The Economist points out, people are no...

More bad news: Housing foreclosure activity remains at record levels

in The Mortgage Roadmap, on May 14, 2009

...'t happen. Often, lenders will work with homeowners to renegotiate the terms of their mortgage loans to make sure that these owners can keep their homes. I know it's embarrassing, and fright...

Looking to buy? Your mortgage loan might be smaller than ever

in The Mortgage Roadmap, on May 13, 2009

...h; than it's been in years. And this means that many buyers will be taking out smaller mortgage loans in order to purchase these homes. Bloomberg reported that the nation's median housing pr...

Navigating the new mortgage roadmap

in The Mortgage Roadmap, on May 12, 2009

...tory by consumer information site Bankrate.com, about half of all the people who apply for mortgage loans today are being turned down . You should view a rejection as a sign that you need to improve...

Downturn easing without recovery

in Sox First, on May 12, 2009

...ng rates are high. If nothing nasty happens - losses on mortgages, commercial real estate, business loans, and credit cards - the banks might just be able to make it through without another crisis. In...

Credit card losses to hit banks

in Sox First, on May 11, 2009

... sheets are likely to get worse because of their exposure to commercial real estate and credit card loans. If these reports are right, the economic contagion could get a lot worse. Those green shoots...

Wolfram Alpha: the Next Big Thing?

in The Search Engine Weblog, on May 10, 2009

... examples are really heady, academic stuff - like the calculus you probably don't remember from college. Others are more practical, like entering in "San Francisco to Tokyo" and getting ...

Facebook for Windows Mobile 6

in Wangtam, on May 9, 2009

... Know The Source ...

No recovery yet

in Sox First, on May 8, 2009

...arting to level off. As a result, banks are still making it harder for consumers to get credit card loans, according to a Fed survey reported here . What this data shows is that the US is a long way...

Cynthia Bach Jewelry

in The Jewelry Weblog, on May 8, 2009

...oches, rings, bracelets, and earrings as well as scepter and orb inspired charms. While attending college in Texas, Cynthia apprenticed with master jeweler Jim Matthews. In 1981, she and Matthews ...

Bankroll blues

in Sox First, on May 7, 2009

... crack down on them? First comes its report showing that that the top 25 originators of subprime loans, the $1 trillion worth of assets that created the meltdown were owned and financed by investme...

Amazon 推出新款 9.7-inch 显示屏的 Kindle DX

in Wangtam, on May 7, 2009

如传言所预告,Amazon 今天推出了新款的 9.7 英寸大显示屏的 Kindle DX 电子阅读器 ,内置 PDF 阅读器,具有自动旋转功能,最多可存储 3500 本图书,售价仅为 489 美元。目前 Kindle 网店共有 27.5 万本图书,其中包括当下 112 部《纽约时报》畅销书中的 107 部,该类图书及新推出的图书以每本 9.99 美元的价格出售。 主要配置参数: • Slim: Just over 1/3 of an inch, as thin as most magazines • Lightweight: At 10.2 ounces, lighter than...

Temple St. Clair Jewelry

in The Jewelry Weblog, on May 5, 2009

... • Made in Italy $1000 After completing her academic studies in Italian Literature at Smith College and then, Middlebury College, Temple remained in Florence. Studying the details of the Renaissance,...

Top Sights in Dublin

in Wandalust, on April 28, 2009

...st are within easy reach of the city center or will be part of a bus tour. Top of the list? Trinity College, founded in 1592 by Queen Elizabeth I on the grounds of an Augustinian priory. There'...

Necessary Attitudes You Need Toward Saving Money

in The Personal Finance Weblog, on April 25, 2009

... long-range goals, then it is easy to spend what you have. On the other hand, if you can see that college degree, that car, or that house that you want, you can start to save for it. Also, don't f...

NFL Week 4

in End Zone Buzz, on April 24, 2009

Jay Cutler just bucked the Broncos and moved to Chicago to join the Bears. It will be interesting to see how things go for both teams this season. Here's the Week 4 Schedule. NFL Schedule: Regular Season Week 4 SUN, OCT 4 TIME (ET) Detroit at Chicago 1:00 PM Cincinnati at Cleve...

NFL Week 1

in End Zone Buzz, on April 21, 2009

© RMTip21 The Oakland Raiders and long time rival San Diego Chargers face off in the Monday Night Football season opener in Oakland. Seems that no matter where they play, the Raiders have a huge following. Possibly one of the biggest in the NFL. Here's the Week 1 Schedule. NFL Schedule: ...

TARP fraud investigations

in Sox First, on April 21, 2009

...ned structure for buying the toxic securities, which include intricate bundles of bad mortgages and loans. That's unlikely to happen which means we will get more fraud investigations. The appalli...

Back door bank nationalisation

in Sox First, on April 20, 2009

...e US Government is now moving in this direction with plans to convert the government's existing loans to the nation's 19 biggest banks into common stock. This means the US Treasury could becom...

The Future of Golf is Online

in Eagle Par Birdie, on April 17, 2009

...e as well as its live-to-air TV coverage. The network also made millions during March Madness when college kids logged on to watch live streaming of basketball games on various devices. This is hard...

Seattle TechExecs CIO Panel Forum

in The CIO Weblog, on April 8, 2009

...ited figures showing a tremendous reduction in IT and hard science degree enrollment among American college students. Perhaps this is simply seen as a problem that will take care of itself; as fewer j...

More bad news ahead, says Roubini

in Sox First, on April 8, 2009

...ds and Reuters reporting that 7% of homeowners with mortgages were at least 30 days late on their loans in February, up 50% from a year ago. The scary part behind those mortgage delinquencies comes ...

The Panic of 2008-09

in Sox First, on April 7, 2009

...onfidence in one another driving up the price of their raw material, money, and where rates on call loans to brokerage houses soared to extremes. Warsh is talking about a complete collapse in trust a...

Giving banks permission to lie

in Sox First, on April 4, 2009

...;Japan was allowing the banks to continue to pretend that they were healthy-by not writing down bad loans and by making new loans so companies could pay interest on bad loans and the bankers could say...

TIME's Top 10 April Fools' Pranks

in Wangtam, on April 2, 2009

...ftware For Kids • TodaysMama • elaboratorium - Look at jobs and careers near you! • College Football and Basketball Conferences, Roster, Teams, Players, Stats • Favorite Bookmarks Web 2.0 - Ac...

SUNY Albany Launches $150 Million Nanotech Expansion

in Nanotechbuzz, on April 2, 2009

... The University at Albany's College of Nanoscale Science and Engineering (CNSE) this week held a ribbon-cutting ceremony to market the official opening of a $150 million expansion of its Al...