Word: homeness
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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...
...even the home lender of last resort is increasingly ditching those with low scores in favor of people with better credit. In the last seven months of 2009, the most recent data available, the FHA, which doesn't make its own loans but provides insurance for lenders that do, backed just $8.3 billion in loans to borrowers with a credit score of 619 or worse. That's down from $39 billion in the same time period a year before. (See a report card on the stimulus programs...
When Crystal Byrd's second child was born, the doctors urged her to place her baby to her breast. Byrd declined. She had already decided, months earlier, that she would not breast-feed. It was a lifestyle choice, says Byrd, 33, a stay-at-home mom in Cedar Creek Lake, Texas. "I'm a huge fan of breast milk, just not of nursing," she says...
...suckling baby. Others say it is painful or that the baby fails to latch on. Some want to avoid the uncomfortable possibility of having to breast-feed in public. For many, including Byrd, a key issue is time. "People think that since I am a stay-at-home mom, I should always have my baby attached to my breast," she says. "Well, sometimes I have other things to do." It takes her half the time to pump and bottle-feed as it would to breast-feed, because she can express milk from both breasts at the same time, rather than...
Technology has helped fuel the trend. Medela, the Swiss breast-pump maker and industry leader, introduced its first electric-powered, vacuum-operated at-home breast pump in the U.S. in 1991. Five years later, the company launched the Pump in Style, a portable breast pump that comes in a fashionable bag that looks like a purse. Pumping mothers can also purchase breast-milk storage bags, nipple shields and power adapters for the car so they can pump on the go. A hands-free pumping bra made by a company called Easy Expressions lets busy mothers pump while checking e-mail...