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...tricky part is 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...
Does this mean I'm ready to abandon that video altar in my living room? Oh, God, no. When my TiVo box was finally replaced, I ran back to my big-screen TV like a child reunited with his mother. (Not as fast as my kids, who quickly began TiVoing a new stash of Clone Wars episodes...
With Georgia facing a $2 billion budget shortfall, Seth Harp, chairman of the state senate's higher-education committee, has proposed merging historically black public universities with mostly white schools nearby to cut administrative costs. Among other drawbacks, critics say, the move could mean fewer scholarships, larger classes and teacher layoffs. But race is the thorniest issue by far. "We've made tremendous progress in Georgia," says Harp. "I just think it's the right time to get rid of this vestige of legal segregation." (See pictures of a diverse group of American teens...
...terms of really learning what the nature of those kinds of experiences actually is. That's why even though I think the research shows that there are a lot of different changes that go on in the brain when people engage in religious and spiritual practices, that doesn't mean that there was somebody who came in and did the hardwiring...
...antithetical to science. Science doesn't deal in supernatural explanations, and that's a supernatural explanation. Religion and science address different concerns, and it's perfectly plausible, I think, as Dr. Newberg has suggested, to be a scientist and still believe in divine presence. But that doesn't mean that your belief in the divine presence finds its way into your science. Those are different things. Religion deals with a different domain...