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...those early differences in gestures may help predict the later disparities in vocabulary ability when children show up for school. The current study found that at 54 months old, children from higher-income families understood about 117 words on a comprehension test, compared with 93 for children from lower-income families...
...there are also plenty of people who might be able to keep their homes with a lower interest rate or a longer loan period. In many cases, this is in the best economic interest of the mortgage holder, since up to half of a house's value can be lost in foreclosure. And yet often--especially when the loan has been chopped up and dispersed to investors around the globe with a third-party servicer in charge of collecting payments--that's not happening. "Servicers don't have the right incentives," says Christopher Mayer, professor of real estate at Columbia...
...figuring out who will meet their modified payments and who will simply fall behind again. The relapse rate can be quite high, meaning that we'd be spending money only to delay the inevitable. Part of what drives up the redefault rate, though, are changes that don't lower, or may even increase, a borrower's monthly payments. A lender that re-amortizes missed payments over the life of the loan might see doing so as a compromise--but that doesn't mean the mortgage becomes more affordable. That's why the FDIC insists that modifications reduce payments at least...
...Smile," a follow-up about a dope-smoking little brother, and just enough ska and reggae samples to hint at the existence of a precocious streak. There was a minor controversy over Allen's fondness for obscenities and Mockney (the British term for the upper-class affectation of a lower-class Cockney accent, à la Dick Van Dyke in Mary Poppins), but even that advanced her charm as a real girl sticking up for herself, even if no one was actually trying to keep her down...
...choose from those around us, generally two to five years after we finish our education. But at least one of those pillars is eroding. Online dating has meant that our pool of potential mates is much bigger. The opportunity cost of giving up on a potential suitor is lower. And it's more work to find the wheat in all that chaff...