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Consumer groups argue that part of the redefault problem is lenders' reluctance to make the sorts of changes that will really improve a homeowner's chances. While the popular notion of loan modification might have the lender lowering an interest rate or reducing the overall loan balance, many work quite differently. For example, one of the most widely implemented changes is to simply spread missed payments over the remaining life of the loan. That has the perverse effect of raising, not lowering, a homeowner's monthly payment. The nonprofit Center for Responsible Lending estimates that nearly half of the loan...
...default or foreclosure. A recent Credit Suisse report looked at modifications made to subprime loans in the last quarter of 2007 and found that 44% of loans with increased monthly payments were more than 60 days delinquent within eight months. What had a much better shot of working: reducing interest rates and principal. 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 delinquent after eight months...
...Christopher Reeve’s 1996 appearance at the Democratic National Convention in favor of stem-cell research. She also provided her audience with a brief overview of where the Democrats and Republicans stand on environmental policy, highlighting key differences and the importance of developing new technologies. In the interest of objectivity, the openly Democratic Jasanoff presented several examples of environmentally friendly policies enacted by previous Republican presidents, including George H. W. Bush. “[These are] things that his son has moved away from,” she added. Jasanoff said she considers environmental policy an international issue...
...We’re not in the position to force BC to build things that are not in their interest,” Autler said. “But we now have an opportunity to see BC house 100 percent of its students, and that is a goal that we all support...
...American students for the benefit of the movement. The event’s participants—many of whom were Cambridge residents not affiliated with Harvard—expressed positive reactions to the presentation. Panagiotis Angelopoulos ’12, who came to the talk because of his own interest in Latin American human rights, said he appreciated the speaker’s unique perspective. Rebecca E. Taylor, a community member and recent college graduate, praised Sheffield’s “adept use of academic phrases” while remaining “accessible...