Word: fall
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Dates: during 2000-2009
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...decades of seeing what U.S. intelligence could--and could not--do, is leery of the buzzwords and silver bullets that ricochet around the Pentagon. "Be modest about what military force can accomplish and what technology can accomplish," he told an audience of midcareer military and intelligence officials last fall. War is "inevitably tragic, inefficient and uncertain," he said. So is taking on the Pentagon...
...would help housing overall. Nearly one-fifth of all borrowers owe more than their house is worth. They couldn't sell their home and pay off their loan even if they wanted to, and that's not a problem that goes away by simply slowing the pace of the fall...
...tricky part is figuring out who will meet their modified payments and who will simply fall behind again. The relapse rate can be quite high, meaning that we'd be spending money only to delay the inevitable. Part of what drives up the redefault rate, though, are changes that don't lower, or may even increase, a borrower's monthly payments. A lender that re-amortizes missed payments over the life of the loan might see doing so as a compromise--but that doesn't mean the mortgage becomes more affordable. That's why the FDIC insists that modifications reduce...
...idea these days--although he doesn't appear to have actually used the phrase. Paul McCulley, an economist and portfolio manager at bond giant Pimco, defines it like this: "If we all individually cut our spending in an attempt to increase individual savings, then our collective savings will paradoxically fall because one person's spending is another's income--the fountain from which savings flow." (See the top 10 financial collapses...
...Amica Mutual, Boyd awaits the forthcoming results of employees' health-risk assessments, conducted last fall with high staff participation, thanks to a program that allowed workers to take medical tests on-site. Boyd asks, "What are some of the other chronic conditions our employees have? Do they need to work on cardiovascular? Depression? Asthma-type issues?" Whether it's a persistent illness or a failed New Year's resolution, maybe a well-placed nudge can help get them back on track...