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...that the few who could afford them once proudly purchased with cash. The country's central bank estimates that the amount of personal loans held by Indians nearly doubled from 2005 to 2007, to $106 billion; the country's credit-card industry has been growing at an average annual rate of nearly 30%. "There was an environment that was building up irrational exuberance," says Alam Srinivas, author of The Indian Consumer. "No one thought that anything could go wrong. The party never seemed...
...comes the hangover as the middle class gets squeezed by soaring living costs - India's annual inflation rate is running at about 13% - and more expensive debt. Navtej Singh, a 48-year-old property agent in the northern state of Haryana, was horrified last month when the interest rate he pays on a $15,000 adjustable-rate home loan jumped from 9% to 12%. "There's no way I can [pay] that," he says. "I'll probably have to borrow from friends or relatives and curtail household expenses." Srinivas says a lot of people are in similar straits...
...media would be calling it "touching and credible" if a teen pregnancy had occurred in the Obama family. Everyone would be writing about the tragedy of teen pregnancy in the African-American community, the high school dropout rate of teen mothers and so on. Obama's career would be under fire, and no one would be spinning myths to stop it. Catherine D. Nardi, Chicago...
...report by the Department of Health and Human Services. The report, which spanned 2005 to 2007 and covered some 15,000 homes, said about a quarter provided a "substandard quality of care." In Alaska, Wyoming, Idaho and Washington, D.C., 100% of homes had deficiencies. The lowest rate was in Rhode Island...
...Mortgage rates are just about where they were at the start of the year--and historically speaking, a 6% loan for a house isn't that bad. The trick is getting approved for one. A borrower with a 680 credit score who a year ago could have gotten by with a 5% down payment might now have to pony up 15%. And good luck if you want a jumbo loan (above $417,000 in many areas), which now carries an average rate 1.3 percentage points higher than other mortgages, according to Bankrate.com That's more than a smidge above...