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Why it matters if your neighbor's struggling to pay the mortgage
in The Mortgage Roadmap, on July 9, 2009
...
You might not want the federal government to bail out your neighbors who took out bad mortgage loans and now can't pay their monthly bills on time.
Most of them were greedy, you might say. ...
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....
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 ...
Classic Car Auctions Going Cyberspace
in Classical Drives, on June 26, 2009
...t. Most collectors like to get up close to the metal before making a decision. But it could lead to fewer live auctions; after all, if people are willing to buy "blind" on eBay, why not in b...
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 ...
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...
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 -...
Recession and marriage
in Sox First, on June 12, 2009
...g the agony. In Britain, The Independent reports that accountants Grant Thornton have found that fewer couples are divorcing. Plummeting property prices means it's just not worth it, even if it...
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...
Planes, trains & automobiles & climate change
in Sox First, on June 8, 2009
...transport to solve climate change. Basically, the argument goes that taking a train or bus produces fewer greenhouse gases than driving. But now a new study, reported here , suggests that not be the...
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...
Twitter Attention This Month...
in The Social Networking Weblog, on June 7, 2009
© carrotcreative
Twitter always gets a lot of attention in the Blogosphere. But it seems like the past week has had a number of interesting Twitter stories.
BusinessWeek (of all people) published an article on why people use Twitter. (After all, it's really just a waste of time, ri...
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 ...
Save Money on Gas and Groceries
in The Personal Finance Weblog, on June 5, 2009
...ne item - you are not saving money. It is lost to the gas that you used to get to the store.
Make fewer trips to the store and do not allow yourself to run out of key items - such as toilet paper, br...
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...
Is manufacturing dead?
in Sox First, on June 3, 2009
...39;s even slightly routine is disappearing from the U.S. But this doesn't mean we are left with fewer jobs. It means only that we have fewer routine jobs, including traditional manufacturing. When...
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...
Obese Pregnant Women Should Not Gain Weight
in Next Nine Months, on May 31, 2009
...here were no fetal deaths and no growth-restricted infants in the study group. Also, there were fewer babies weighing more than 10 pounds in the study group than in the control group. (A birth wei...
Saving Money also Comes by Eating Healthy
in The Personal Finance Weblog, on May 30, 2009
... better sense of well-being, too. If you feel that eating less is not desirable, then learn to eat fewer calories each day - and focus on healthier food choices. Children need to be taught to eat righ...
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...
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...
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...
OTC Prevacid®, Heartburn Medicine Now FDA-Approved
in Straightfromthedoc, on May 15, 2009
... savings to the US healthcare system from the availability of OTC heartburn medications based on fewer office visits.
Prevacid and Prevacid 24Hr OTC are both products of Novartis .
...
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...
H1B: Frying pan to fire
in The CIO Weblog, on May 11, 2009
...o return home after graduation, taking their skills and expertise learned here along with them. The fewer opportunities for employment here, the more foreign graduates will be leaving. Just because th...
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...
More Ways to Reduce Your Food Bills
in The Personal Finance Weblog, on May 9, 2009
... you to save money because you won't be buying a lot of extra food - and you will have to make fewer trips to the grocery store.
This will also help you to utilize your frozen meal portions and ...
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...
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...
Folic Acid May Help Against Asthma and Allergies
in Allergies, on April 30, 2009
...e negatively correlated with asthma and allergies .
People with higher blood levels of folate had fewer IgE antibodies, fewer reported allergies, less wheezing and lower likelihood of asthma, researc...
China in the Springtime
in Hidden Travel Gems, on April 29, 2009
...a, "It's a great time to visit China. Bring your rain gear and enjoy mild temperatures and fewer tourist crowds."
Sara has a long list of things to do and places to go this time of ye...
Walnuts May Help Fight Breast Cancer
in The Biotech Weblog, on April 27, 2009
...were less likely to develop breast tumors, and if they did, their tumors were smaller and affected fewer mammary glands. The mice, which are genetically engineered to develop cancer, normally get tumo...
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...
Save Money by Conserving Use of Electricity
in The Personal Finance Weblog, on April 19, 2009
...full loads to work with. Don't use them for just a handful of items. Save money by using them fewer times but with larger loads.
...
三月 Hulu 视频观看量增长 13%
in Wangtam, on April 17, 2009
NewTeeVee 消息 ，市场研究公司尼尔森表示，3月份 Hulu.com 独立访问用户由 2 月份的 950 万下降至 890 万，跌幅超过 5%。但其视频观看量由 2 月份的 3.09 亿增长至 3.49 亿，增幅为 13%。
尽管视频观看量增长了 13%，但 Hulu.com 许多广告位并没有销售出去。估计 Hulu.com 只销售了 60% 广告位，其他广告位则用于公益广告。
Airlines in tailspin
in Sox First, on April 9, 2009
...
The airline industry goes from bad to worse. A crumbling global economy means fewer seats on planes declining profits for the world's biggest airlines. More details here .The big problem lie...
Seattle TechExecs CIO Panel Forum
in The CIO Weblog, on April 8, 2009
...erican college students. Perhaps this is simply seen as a problem that will take care of itself; as fewer jobs are available, there will also be fewer candidates vying for them.
On the whole it was w...
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...
NPD Group Sez Teen P2P Use Dropped in 2008
in P2P File Sharing, on April 2, 2009
...ProNews' Mike Sachoff reports, that shift was unexpected. "It was surprising to see that fewer teens downloaded music from P2P sites or borrowed them from friends," says NPD Group analy...
A Web 2.0 Obituary?
in TJ's Weblog, on April 2, 2009
... one (if one at all). You simply can't do that with your own restaurant (but you also need way fewer costumers).
Now don't get me wrong - you need to try these things to figure out what works...
Recession health chart: fit and miserable
in Sox First, on March 27, 2009
... attacks decrease by slightly less than half a percent. Traffic deaths decline by 3 percent because fewer people are commuting and drinking is down. There are fewer smokers, too, which will have a big...
Private Student Loans Network
in Wangtam, on March 24, 2009
...• Private Student Loans Network
• Relations Manager iPhone CRM
• Favores online en FavorBuy! · ¿Qué favor necesitas? · Cómpralo y consigue ayuda por personas que ayudan · Necesites lo que necesit...
Why Geithner's plan won't work
in Sox First, on March 23, 2009
...being asked to put up a small amount of their own money, and in return they get large, non-recourse loans from the taxpayer to buy bad assets. "For the private investors, this is an open invitat...
The story of the Kiva from its founder
in Audeamus - How dare we..., on March 22, 2009
... lending $3,000 to seven entrepreneurs in Uganda, so far Kiva has facilitated nearly $40 million in loans from 330,000 lenders to 60,000 entrepreneurs worldwide.
I recommend you to take a look at Je...
Cisco's Unified Computing System
in The CIO Weblog, on March 20, 2009
...g it with me) but so far it doesn't seem to have done so. I can find less commentary on it from fewer of the talking heads than on the possible resurgence of the Microsoft-Yahoo Zombie Deal that W...
