Word: nonprofits
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Dates: during 2000-2009
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...destitute living conditions in Nicaragua spurred both Borrás and fellow Universidad Complutense de Madrid professor Angel Sáenz-Badillos to found Casas de la Esperanza. The nonprofit organization, which was started in Cambridge, offers aid to families living in the outskirts of Granada, Nicaragua, including the semi-urban community La Prusia, which is home to over 200 families. Many of these families face harsh living conditions, squatting in makeshift houses with dirt floors...
...interest rate or reducing the overall loan balance, many work quite differently. For example, one of the most widely implemented changes is to simply spread missed payments over the remaining life of the loan. That has the perverse effect of raising, not lowering, a homeowner's monthly payment. The nonprofit Center for Responsible Lending estimates that nearly half of the loan modifications reported by Hope Now Alliance have left homeowners with the same or higher monthly payments...
...their houses, no matter how generous the terms, because someone - the homeowner, the mortgage broker - lied about or simply ignored income and assets. Cena Valladolid, chief operating officer for Consumer Credit Counseling Service of Southern Nevada, says more than half of the homeowners who seek help from her nonprofit are living in houses they never had a realistic shot of affording. The best advice she can offer in the depressed Las Vegas real estate market is to ask the lender to allow a short sale, so that the house might be sold for less than what's owed...
...nursery is a false Eden, because class inequalities are already at work. According to a 2007 report by the nonprofit Sutton Trust, cognitive test scores of bright 3-year-olds from the poorest British households drop around 30% by the time the children reach age 5. As kids grow, so does the education gap. The chances for smart-but-poor Britons to reach top universities are slim. A 2006 study for the Bonn-based Institute for the Study of Labor found that Britain had the lowest social mobility of the 12 developed countries surveyed...
...think it’s terrific that the club decided to combine the annual Social Enterprise Conference with their Centennial celebration,” Childress said. “Given their involvement in nonprofit activities over the years, it makes perfect sense...