Word: mightfully
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Step 3: Identify Job Loves And Hates By reorienting how you think about your job, you free yourself up for new ideas about how to restructure your workday time and energy. Take an IT worker who hates dealing with technologically incompetent callers. He might enjoy teaching more than customer service. By spending more time instructing colleagues - and treating help-line callers as curious students of tech - the disgruntled IT person can make the most of his 9-to-5 position. (See TIME's special "Planning for Retirement...
That's not to say there aren't real issues with how trial modifications are (or aren't) being converted into permanent ones. Housing counselors report that while loan servicers have made progress in certain areas - phone-wait times that used to run up to an hour now might last only 15 minutes - there are still major bottlenecks in getting the final sign-off for a permanent modification. And borrowers are not without fault. Some 375,000 homeowners should be eligible for permanent modifications by the end of the year, according to the Treasury Department, but some 20% of them...
Another is the changing behavior of people who owe more on their mortgage than their house is worth. According to a recent analysis by the credit bureau Experian and the consultancy Oliver Wyman, nearly 600,000 borrowers might have intentionally defaulted on their mortgages in 2008, twice as many as the year before. The social norm that in previous eras would have prevented people from simply walking away from their homes seems to be eroding - but HAMP puts a low priority on reducing the overall amount a person owes. In fact, among permanent modifications, the average loan amount as compared...
...part of HAMP that would most work to help these people has been incredibly slow to get off the ground. Back in May, the Treasury Department announced that it would issue guidelines on how lenders might speed up dealing with borrowers who simply want to hand back the deed to their house or sell their home for less than is owed on the mortgage (a so-called short sale). Distressed homeowners and housing counselors have long complained about short sales being scuttled by lenders that take too long to respond to a potential buyer's offer. The plan to beef...
...longer be enough to get Ahmadinejad to go along with Obama's plans in Afghanistan. "Many of the hard-liners who are today running Iran define their foreign policy priorities as that which is opposed to the United States," says Sadjadpour. "They may hate the Taliban, but they just might hate the United States more." Says Dobbins, who now heads the Rand Corp.'s International Security and Defense Policy Center: "The best we can probably hope for is that Iran continues to do no harm...