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...much more of a fighting chance. One report, looking at modifications made to a pool of sub-prime loans, found that 44% of loans with increased monthly payments were more than 60 days delinquent within eight months. After that same period, only 15% of loans that had received an interest-rate reduction and 23% in which the principal balance had been reduced were more than 60 days late. But oftentimes these more aggressive changes are not being made. White's study found that only 10% of modifications involved principal write-down, and almost all of those cases came from just...

Author: /time Magazine | Title: Will Loan Modifications Lift the Housing Market? | 2/6/2009 | See Source »

...reason servicers haven't more wholeheartedly adopted bolder tactics is lingering concern over getting sued by investors who are ultimately entitled to the loan payments through mortgage-related securities. Servicers are contractually bound to act in the interest of investors overall, but they might still not rewrite loans, even when that creates the most value in the aggregate, since modifications can impact certain investors more than others - and it only takes one to sue. That's why on Feb. 4. the House Financial Services committee met to talk about making a law to shield servicers from such lawsuits...

Author: /time Magazine | Title: Will Loan Modifications Lift the Housing Market? | 2/6/2009 | See Source »

...School’s recruiting cycle began later than at comparable institutions, which hurt students last October when law firms reduced the number of spots reserved for Harvard recruits in light the impending recession. Fly-out week—the time when students visit firms who have expressed interest in them—is now scheduled for the week of September 14, two weeks after the first day of classes. During that period, the school puts classes on hold for a week-long fall break. In addition to the new recruiting schedule, the Law School will also offer prospective employers...

Author: By Elias J. Groll, CRIMSON STAFF WRITER | Title: HLS To Move Up Summer Job Hunt | 2/6/2009 | See Source »

Governor Palin is an effective and popular political voice, and I believe she will continue to draw interest among party faithful and that she'll have an impact on the party's direction in the future...

Author: /time Magazine | Title: Q&A: Mitt Romney on How Obama's Doing | 2/6/2009 | See Source »

...create a new permanent mandate. "The challenge is to bring enough Republicans over to make it bipartisan, given some differences of opinion about education being in the bill," Nelson said. "But what we would hope is that both the Democrats and the Republicans decide that it is the best interest of the country to develop a consensus where everybody gives and everybody takes some...

Author: /time Magazine | Title: Can Ben Nelson Get a Bipartisan Stimulus Win? | 2/6/2009 | See Source »

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