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...among home buyers in China, is there a significant amount of debt financing. According to Patrick Chovanec, a professor at Beijing's Tsinghua University who studies the Chinese real estate sector, only about 50% of residential purchases are made using mortgages. The other half are paid for in full at the time of acquisition. (In the U.S., by contrast, over 90% of residential housing transactions are financed with mortgages.) One of the reasons for this is that, just like Yang, many Chinese have been moved out of formerly state-owned housing units in urban areas as part of redevelopment projects...
Criticism of the welfare state touches a raw nerve among Germans. They have jealously guarded social benefits since they were introduced by Otto von Bismarck, the "Iron Chancellor," in the 1880s. Bismarck's system - designed to win over workers and increase productivity - guaranteed every citizen social insurance, including a pension, national health insurance and disability benefits. Westerwelle thinks that should change, and is also pushing for lower taxes and a new simplified tax system. The opposition Social Democrats branded him a "sociopolitical arsonist" while the Greens warned that the welfare state would be pared back to a "social...
After witnessing these strong performances, as well as the efforts of Cao, Norton, Tachibana, and freshman Sophie Chang—all of whom are ranked among the top 15 players in the Northeast—Harvard looks to repeat as Ivy League champions this spring season. The players acknowledge that this goal will not materialize without hard work...
...handled criminal, family law, civil law along with complex litigation and small claims case loads. Similar cuts are taking place in courts across the state. McCoy says the 100,000 Angelenos who use the courts each day can expect growing case backlogs, longer lines and delays in processing judgments. Among those losing their jobs: clerks, court reporters and supervisors. Judge Marjorie Steinberg says her family law departments are losing mental health professionals who help parents negotiate their disputes before they go to court: "You can imagine how tough that is on a family, and on the children, whose parents...
...child support matters that now take 30 days will soon take four months. In addition, the court will no longer provide financial support and supervising personnel to the Court-Appointed Special Advocates (CASA) program which works on behalf of abused, neglected and abandoned children involved in dependency court matters. Among the mundane cuts, a reduction of the popular night traffic court from twice to once a month...