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...rescue should they run into trouble. The traditional response of refinancing into a more affordable loan is off the table for many homeowners, considering that property prices have plummeted. More than 85% of option-ARM holders owe more on their loan than their house is worth, a situation known as negative equity or being underwater. Typically, a refinance is impossible without the borrower having at least 20% equity in a house...
...individual health insurance market are not very strict. Insurers are free to set whatever rates they want, so long as they spend 70% of premiums paying claims, a threshold that's lower, for example, than those in Washington, New York and New Jersey. California is also what's known as a "file and use state," meaning insurers can increase rates in the individual market without state approval. The state can later act to rein in rates or revoke an insurer's license, but this rarely happens. Most states, on the other hand, are "prior approval states," in which insurers need...
...time to rest on her laurels. A blogger, Deef Pirmasens, became suspicious of the minor's vivid descriptions of drug-fueled nights at the infamous Berlin techno club Berghain and discovered that several passages of the book had been more than inspired by the writings of another German blogger, known only by the name Airen. After Pirmasens posted the passages in question from Hegemann's book and the remarkably similar passages from Airen's book, Strobo, on his blog this month, the same papers that had been full of praise for the young author only a few days before abruptly...
...actions, and issued a statement saying it had contacted Airen's publishing company and asked for retroactive authorization of the disputed passages. Ullstein also said it had already obtained permission for Hegemann to use another passage in the text by American author David Foster Wallace, which it had known about before the book's release. (See the top 10 literary stunts...
...That's understandable thinking in Haiti, the western hemisphere's poorest country, where children are frequently given up by their destitute parents. Those kids are all too often funneled to more-affluent families who turn them into slaves, known in Creole as restaveks, or to outright traffickers who force them into lives of prostitution in Haiti and abroad. The Haitian government estimates that there are about 300,000 restaveks in Haiti today. In many cases before and after the quake, parents and orphanages have delivered their kids to well-meaning but naive foreigners like the Idaho missionaries, who were collared...