Word: marketizing
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...Though there are soft spots in the subprime market, overall, business is good. The percentage of auto loans going to people with poor credit, for example, has been increasing. And while a number of banks have stopped offering credit cards to the debt-challenged, there are still companies handing out subprime plastic. First Premier Bank, for one, just tweaked the fees on its credit cards aimed at individuals with low credit scores to comply with recent legislation, and its business proceeds apace...
...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...
...part of our Housing Market series, we'll be posting reviews and rankings for each of Harvard's 12 residential Houses over the next few days. Click here to read more about our project...
...part of our Housing Market series, we'll be posting reviews and rankings for each of Harvard's 12 residential Houses over the next few days. Click here to read more about our project...
...while Tea Party leaders say they aim to spur critical thinking, at times the candidates and crowd seemed gripped by groupthink. Tea Party volunteers distributed slips of paper with the group's core principles - limited government, fiscal responsibility, individual liberty, free market and constitutional governance - and asked the audience to tick off boxes next to candidates whose answers matched those tenets. "Government is there to protect the people. It's only there to provide security. And now it's usurping more and more duties," says Israel Jackson, a Liberty University student volunteering on Campbell County businessman Ron Ferrin's campaign...