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...shot of keeping borrowers in their homes in the long run. The most quoted research on the topic, from the investment bank Credit Suisse, shows - unsurprisingly - that when modifications involve lower monthly payments, borrowers have much more of a fighting chance. One report, looking at modifications made to a pool of sub-prime loans, found that 44% of loans with increased monthly payments were more than 60 days delinquent within eight months. After that same period, only 15% of loans that had received an interest-rate reduction and 23% in which the principal balance had been reduced were more than...

Author: /time Magazine | Title: Will Loan Modifications Lift the Housing Market? | 2/6/2009 | See Source »

...that he could offer his expertise to the issue. “Since then, after many scientific conversations, I have gotten very excited about puzzles I might be able to contribute to,” he said. An initial area of focus for vaccine development will be a small pool of HIV-infected patients whose bodies can somehow control replication of the virus. The announcement of the gift—which included a statement by University President Drew G. Faust—took place at a gathering of a couple hundred people yesterday at Harvard Square’s Charles...

Author: By Laura G. Mirviss, CRIMSON STAFF WRITER | Title: Mass. General Gets $100M Gift | 2/5/2009 | See Source »

...stigma attached to the crippled banks that needed the money - won't have to give anything back to fly under the federal paydar. "We need to be tough and strict but sensible," President Obama said. "We do not want to deny companies the ability to attract the talent pool they need." That's not good enough for some Senators, like Missouri's Claire McCaskill, who want to make the pay caps retroactive and intend to make that part of the stimulus bill...

Author: /time Magazine | Title: Can Obama's Executive-Pay Limits Tame Wall Street? | 2/4/2009 | See Source »

...they shouldn't. An Administration source admitted as much, sort of: "We have to, in governing, be tough in protecting the public trust, making sure money is not inappropriately used. But to do measures that would make it impossible for one of these companies to actually have the talent pool and function to survive, and pay the government back, would be self-defeating in any responsible policy." (See pictures of TIME's Wall Street covers...

Author: /time Magazine | Title: Can Obama's Executive-Pay Limits Tame Wall Street? | 2/4/2009 | See Source »

...plus is, nowhere in your community can you find a pool of single people who are seeking something similar to what you're seeking. And it's a very [large] pool. The negative is, it takes an unbelievable amount of time and attention in order to weed through the whack jobs in that pool. And the time, the 85 emails - you have to have the energy to do it. That's the downside. Also, you have to be aware that one of the great things about Internet dating is, it's practice. So for many women who are first beginning...

Author: /time Magazine | Title: Getting Naked Again — Dating After Divorce or Widowhood | 2/4/2009 | See Source »

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