Word: keepeing
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Delinquencies are also getting much worse among holders of option adjustable-rate mortgages (option ARMs). These loans, typically made to borrowers with prime or near-prime credit scores, let soon-to-be homeowners pick from a menu of monthly payments - often including an option that didn't even keep up with the interest due. As home prices have fallen, the number of option ARM borrowers running into trouble has surged, with 15.25% of loans delinquent and another 7.46% in foreclosure. Some analysts think the problem in option ARMs could eventually rival the size of the subprime meltdown. (See pictures...
...Portnuff has documented that listening to earbuds, or in-ear headphones, for 90 minutes a day at 80% volume is probably safe for long-term hearing - a useful cutoff point to keep in mind. (But softer is better: you can safely tune in at 70% volume for about 4½ hours a day.) The risk of permanent hearing loss, Portnuff says, can increase with just five minutes of exposure a day to music at full volume. Over time, the noise can damage the delicate hair cells in the inner ear that transform sound waves to the electrical signals that...
...Portnuff acknowledges that most iPod and MP3 users don't keep their devices at maximum volume - only about 7% to 24% listen at risky levels. But because most of us can, and are, spending more time listening to music through headphones, there is a real risk of hearing loss for anyone who plugs in. "It's a matter of how high you listen and for how long," he says. Listen for too high and too long, and you may have to replace those headphones with hearing aids in the not-too-distant future...
...everyone is devastated by the budget's fine print. It includes tax breaks for large corporations, film companies that keep production in-state, buyers of new homes and small businesses that hire new employees. "The state was about to go over a cliff," says Allan Zaremberg, president and chief executive officer of the California Chamber of Commerce. "No tax in a recession is a good tax. But I think the legislature and the governor went out of way to spread taxes by as many Californians and businesses as possible so the impact would not hurt any one industry...
...Sociologist Rene Jimenez notes that vigilante justice has already become a reality in several parts of the country. "The state is failing to keep control in certain areas so people take justice into their own hands," he said. "This vigilantism shows that the conflict is entering a new phase. Violence will breed more violence...