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...renegotiating mortgages, a new program goes into effect tomorrow (it was part of the housing bill passed over the summer) that uses up to $300 billion in FHA guarantees to encourage mortgage servicers to move people out of adustable-rate subprime loans into fixed-rate loans with lower face values. And if Treasury owned a few hundred billion dollars worth of mortgage securities, it could put pressure on servicers to renegotiate loans rather than foreclose on them...
...Street, but whether or not you see them largely depends on where you stand. Just ask anyone who wants to buy a house with a subprime mortgage - they're not all evil, but these days they are exceedingly rare - or with a jumbo loan, which now carries an average rate 1.2 percentage points above a regular mortgage. (In normal times, the spread is closer to a quarter of a percentage point.) "Some people are saying, 'Credit crunch, what credit crunch?' and others are ready to cry uncle," says Greg McBride, a senior financial analyst at Bankrate.com. "It shows it really...
...loans, the division between those who feel the crunch and those who don't often comes down to credit score. The average 60-month new car loan is priced at 7.10%, not much different than in the spring, according to HSH Associates, Financial Publishers - and the average rate on a 60-month used car loan, 7.54%, has actually been drifting downward. (Those 0% financing deals still exist, too, from struggling car companies desperate to move inventory.) The difference is, you're probably not going to get that rate (or any at all) unless your FICO score is north...
...DeWolfe Street building earlier this week. In that theft, an intruder broke in through a window, taking two laptops and two wallets. Multiple muggings and robberies have also been reported throughout the Harvard Square area in a month that, at least anecdotally, has seen a high rate of criminal activity. A Harvard University Police Department alert issued yesterday provided descriptions of both crimes and of the second intruder. Information about the first crime was not distributed—to Quincy residents or to the wider community—until five days after it occurred. The alert also warned residents...
...neurons and creating new pathways for nerve signals. The thickening of all this gray matter - the neurons and their branchlike dendrites - peaks when girls are about 11 and boys 12 1/2, at which point a serious round of pruning is under way. Gray matter is thinned out at a rate of about 0.7% a year, tapering off in the early 20s. At the same time, the brain's white matter thickens. The white matter is composed of fatty myelin sheaths that encase axons and, like insulation on a wire, make nerve-signal transmissions faster and more efficient. With each passing...