Word: at-risk
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...seven lending institutions that voluntarily took part in the Miami Gardens clinic and have won praise from Miami Gardens officials. "And we're just as committed to working with the cities, because they're viewed [by borrowers] as a trusted third party that helps us make early contact" with at-risk homeowners. Ohayon and other lenders also point out that while they're free to renegotiate the terms of mortgages they still own, the vast majority of troubled home loans have been securitized and are owned by a wide array of investors. Their permission is usually required for modification...
...right orientation. "It's a church whose politics is difficult to tell and whose engagement to the community is real," he says. Loconte also says you might look for a church that is involved with the STEP organization, which works with churches to allow their members to mentor at-risk public elementary school kids in Washington...
...then there is the question of moral hazard, a continual refrain in dealing with almost every aspect of the housing and broader financial crisis. In order to target the most at-risk borrowers, the new program only kicks in once homeowners have missed three mortgage payments. Even though the program intends to exclude people who stop making payments just to get a modification, there is a concern that homeowners will be incentivized to do so. "They're saying to everyone out there, don't make your mortgage payment, be 90 days late, and then we'll help you," says Bruce...
...results of the study not only shift the state of the evidence but also herald new guidelines for the prevention of heart disease and redefine the traditional at-risk population. Many people who, for example, lack outward signs of heart disease may have high CRP levels, which could put them at silent risk for heart attack or stroke. According to the study, published also in the New England Journal of Medicine, at least 250,000 heart attacks, or about 20% of the total heart attacks suffered per year in the U.S., may be prevented by controlling inflammation. Indeed, nearly half...
...like construction, manufacturing, financial services and retail - are likely to incur many of the coming losses. According to the Bureau of Labor Statistics, some of these sectors already have seen deep cuts of late. Reich says all industries that rely on discretionary spending are at risk, while regions where at-risk industries once thrived could be battered. Dwindling housing and construction markets could cripple the Sun Belt; hospitality-heavy regions like Florida could suffer from a lack of tourist spending; and auto-manufacturing states like Michigan should brace for further blows. (See pictures of the Top 10 scared traders...