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...Long-term, fixed-rate mortgages have become increasingly affordable compared with adjustable-rate mortgages (ARMs) and home-equity lines of credit (HELOCs), and that spells opportunity for homeowners. Since June, the Federal Reserve has hiked short-term interest rates six times, and typically long-term rates follow. But the current pattern runs counter to that. "It's surprising," says analyst Greg McBride of bankrate.com The average rate for a 30-year fixed-rate mortgage is now 5.81%, according to HSH Associates, while the average one-year ARM is 4.32%. And the gap is narrowing. Even Fed Chairman Alan Greenspan termed...

Author: /time Magazine | Title: Money: The Rate Game | 2/27/2005 | See Source »

...Security system, which is likely to face stiff resistance, tackling the deficits does not seem high on the agenda. Tyson said that "if there's anyone who believes" the Bush Administration will make a serious effort on the deficits, "I didn't find them." Unless priorities change, she expects short-term interest rates in the U.S. to continue rising steadily until they hit about 5%--double their present level--and she and Sachs predict painful budget cuts and a U.S. recession in the medium term. "There'll be a wearing and exhausting process ahead. We're only in the first...

Author: /time Magazine | Title: On the Brink of Trouble? | 2/22/2005 | See Source »

...furry folksman—who’s spent time in Greece, Berlin, Zimbabwe and Morocco, among other places, in between his education in high school and at NYU’s artsy Gallatin program, from which he recently graduated—is focusing on the short-term...

Author: By Simon W. Vozick-levinson, CRIMSON STAFF WRITER | Title: Grizzly Bear Feeds on Psych-Folk | 2/11/2005 | See Source »

...high school sweetheart Sylvia, en route to rehab for her cocaine problem, abruptly drops off Ryan, 9, her son by another man. Shaken out from the shambles of Sylvia's life into Howie's barely more ordered household, Ryan inserts himself warily into what everyone knows will be a short-term arrangement. Seasoned readers, or TV-movie viewers, may suspect they see what's coming here. Needy, difficult boy meets needy, remote man. And while it's true that before the last page, hugs are hugged and a few lessons are learned, King is deeply mindful that life works imperfectly...

Author: /time Magazine | Title: Books: Moving Beyond Words | 1/23/2005 | See Source »

...pick and choose which relief and reconstruction efforts they want to fund. "It makes no sense just to give money," says German Chancellor Gerhard Schr??der. "Our people don't want that." At the donors conference in Jakarta last week, the U.N. launched an appeal for $977 million in short-term help over the next six months. Now it must go through the painstaking process of matching donors to dozens of projects in five countries as well as to overall regional aid. That means persuading donors to fund not just the high-profile, big-ticket projects like clearing debris...

Author: /time Magazine | Title: Foreign Aid: How Much Will Really Go to the Victims? | 1/10/2005 | See Source »

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