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...Whatever the cause, the result is a system packed with pain for any homeowner looking for help. By the summer of 2008, Charles and Jennifer Lively knew they were going to start having trouble with the mortgage on their home in the Boise, Idaho, area, since Charles's paycheck (he works in plumbing, tied to new construction) had taken a major hit. They called their lender and were told there was nothing to do until they missed a payment. Eventually, the couple did and applied for a modification four different times but kept getting turned down. They desperately asked...

Author: /time Magazine | Title: Why the Banks Aren't Modifying Home Loans | 7/30/2009 | See Source »

...illness has receded in recent years, most of the 12 million Americans who have clinical depression still don't get treated for it, partly because many are too embarrassed to go to a psychologist. In fact, according to mental-health professionals, the majority of depressed people who seek professional help turn first not to a psychologist but to their primary-care physician...

Author: /time Magazine | Title: Study: Doctors Don't Always Spot Depression | 7/30/2009 | See Source »

...concerned for you, but would not like to see the authority of our police diminished, their effectiveness reduced, or their reputation unfairly tarnished. Since, inadvertently I assume, you have made the work of our police force more difficult than it already is, I wish that you would help set the record straight...

Author: By Ruth R. Wisse | Title: A Colleague's Concerns | 7/30/2009 | See Source »

...although the practice didn't gain traction until the 1960s. Sure, it took an extra year to earn a B.A., but for three months each school year, students worked for companies they were interested in, tried out careers they weren't sure about and earned money to help cover tuition. Internships, similarly, did not develop until the 1960s and remained fairly uncommon at first...

Author: /time Magazine | Title: Interns | 7/30/2009 | See Source »

...indicated she might challenge him and then backed off. "No one expected him to run again, and I stepped back last time," she told Davis. But this time, she said, there would be no "free pass" for Perry. Later, she told reporters in a Capitol presser: "He can really help in many ways if he doesn't run, in which case I could then be able to stay in the Senate...

Author: /time Magazine | Title: Kay Bailey Hutchison Is Running for Governor! (Or Is She?) | 7/30/2009 | See Source »

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