Word: hardes
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...lone exception is housing. Mortgage brokers say it is still hard for individuals with bad credit to get home loans. The subprime home loan market peaked in 2005, according to the publication Inside Mortgage Finance. That year, thousands of lenders and mortgage brokers handed out $625 billion in mortgages to borrowers with low credit scores, which is generally anything below 650. The credit crunch, though, put most of those firms out of business. Last year, financial firms made just $4 billion in home loans to people with poor credit. That number excludes loans backed by the Federal Housing Administration...
...trade regulation in the U.S. is confusing and full of holes - ivory was even being traded on eBay until the Internet vendor shut down the sale of it recently. "The data shows that the U.S. is the second largest retail ivory market in the world," says Todd. "It's hard for consumers to know what is legal and what...
Although the group’s largest fundraiser each year is Relay for Life, Harvard Cancer Society president Kevin W. Chi ’10 noted the importance of connecting to undergraduates in different ways. “It’s hard to engage college students by saying that there’s a lecture series given by researchers,” said Chi. “You have to work with your audience and catch their attention with something a little more fun. That opens doors for talking about what we really do and what this money...
Nevertheless, the data suggests 43 percent increase in the number of patients since two years ago, and that an “an inordinately high percentage of students that report drinking hard alcohol”—which leads to more hospitalizations. A Crimson article, cites that the number of freshman at Harvard that report taking shots is 39 percent, which is higher than the national average, and more freshmen are identifying themselves as heavy drinkers, more than ever before...
...want to be a member of the most elite House on campus? If you thought getting into Harvard was hard, clearly you've never tried to become a member of Kirkland House. Although not entirely abandoning DeWolfe housing, Kirkland will only keep one of its two current floors. This means that it will now accept significantly fewer freshmen into its storied halls...