Word: arens
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Portela and her friends are certainly aware they have more to worry about than shopping sprees. Paula Rodríguez, 20, is studying journalism. "But there aren't any jobs in that, so I'll probably just stay in school longer and get another degree," she says. The prospect of owning a home - and the mortgage that comes with it - makes all four girls laugh, so far-fetched does it seem. "How am I going to get a mortgage if I can't even get a job?" scoffs Rodríguez...
...Lenders aren't allowed to close on a federally insured reverse mortgage until borrowers meet with a HUD-approved counselor, who is required to help them explore alternatives such as selling their home or lowering their expenses. That's because the greatest reverse-mortgage risk, especially for younger borrowers, may be that they will live longer than they expected and drain all the available equity from their home. Says reverse-mortgage specialist Bronwyn Belling: "If you borrow the money now, you may not have it when you need it later...
...Virginia Community College, has lost more than 10% of its funding in the past two years and has let go of dozens of full-time professors as it braces for more possible cutbacks. Elsewhere, state budget cuts have led to enrollment caps at some community colleges. And if there aren't enough seats in classrooms, students can't get certificates or degrees, and skilled jobs remain unfilled. In short, as the Center for American Progress concluded in a February report, "America's future economic success may well depend on how we invest in two-year institutions...
...prosperity," funding needs to be tied to performance in areas like degree completion - a model some states, including Indiana and Ohio, are already trying. The City University of New York has rigged up an experimental program that requires its community-college students to take intensive remedial courses if they aren't prepared to do college-level work. Begun in 2007 with the goal of getting at least half of the study's 1,000 participants to graduate from college in three years, it's showing initial signs of success. Other colleges are redoubling their retention efforts. And last fall...
Their intentions are good, but Padres fans aren't well versed in the proper protocol. And the huge empty sections on field level are hard to overlook...