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...when a participating servicer changes the terms of a first mortgage, it will also have to reduce the interest rate on the second lien - to either 1% or 2%. The government will pay for half of the loss incurred by the loan owners, from the $50 billion bucket of money it had already pledged to housing-rescue programs. Mortgage servicers will be paid to make the change, and homeowners have their first-mortgage principal reduced as long as they stay current - by up to $250 a year for five years...
With mortgage rates near all-time lows, interest in this program is running extremely high. In the first few weeks of April, Fannie Mae had 1.2 million homeowners check its website to see if their mortgages qualified. During that time, Fannie received some 22,000 refinance applications from people who owe between 80% and 105% of the value of their home - the group the plan targets. A Fannie spokeswoman couldn't comment on how many of those had closed...
...objects are very dense objects, just as dense as a novel or scientific treatise,” says Roberts. “These are real historical documents that are filled with information.” A Phi Beta Kappa graduate of Stanford, Roberts did not even discover her interest in art history until senior year. “I started out in human biology, which I did for two years, then I switched to English, and ended up my senior year double majoring in English and Art History.” Roberts says that what really drew...
...uses noble gasses as geochemical tracers to study the Earth’s processes and history—his research findings may help scientists understand everything from global warming to desertification in Africa. Colleagues say that Mukhopadhyay is not the type to focus on one specific interest or area of research. Instead, he uses noble gasses—a group of inert, unreactive elements—as a tool to study a variety of geologic processes. “If he was just doing what he has been doing in any one of [the research fields] individually, he?...
...school is taking steps to stay relevant in the modern world. “It’s ironic that industry pundits look more negatively toward business schools while applications increase,” he said. Students at Harvard College said that the tougher job market is bolstering interest in attending graduate schools. “There has been an increase in applicants to medical schools, and an increase in Harvard students switching their concentrations to pre-med, hoping to avoid Wall Street,” said Christine W. Li ’10, president of the Harvard Premedical Society...