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...rising faster than the more complex Chapter 13 filings. While the latter requires individuals to repay a substantial portion of their debt and prevents banks from foreclosing on their homes, Chapter 7 bankruptcy allows a debtor to wipe out his or her debts entirely and get a fresh start. "It is very fast and very deep debt restructuring," says Porter. Since 2005, Chapter 13 filings have dropped from about 35% of all personal bankruptcy filings to 25%, she says. "Systemically, that's a big change...
...help individuals make their payments, Bank of America announced in March that it would start reducing the principal on some home loans. This, after the banking industry successfully fought off attempts by Democratic Illinois Senator Dick Durbin and others in Congress to pass legislation last spring that would have allowed for mortgage modifications. But since then, it has become clear that without loan modification, many borrowers have no recourse but to accept foreclosure and walk away, says Porter. "I think one reason the economic recovery is slow is that it is taking so long to work through these delinquencies...
...does one fulfill--or know when one has fulfilled--Obama's goal of 'college and career readiness' for every child by 2020? That gauzy goal resembles the 1994 goal that by 2000 ... every child would start school 'ready to learn.' Is 'college and career readiness' one goal...
...lithium-ion batteries is increasing dramatically as electric-car technology improves and prices drop. Nissan has introduced the all-electric Leaf, and this year Chevy will debut the long-anticipated gas-electric Volt. Those and future electric cars need battery packs, and at least a dozen American lithium-battery start-ups are competing with Asian companies such as Sanyo and Hitachi to provide them. "There's a tremendous amount of competition," says David Vieau, chief executive of A123 Systems, a Watertown, Mass., start-up powered by federal money that is vying for the business. (See the history of the electric...
...From the start, Harvard’s varsity boats were poised to perform well because of the many experienced athletes on the roster. From the varsity eight returned senior coxswain Dexter Louie and five rowers, including captain Martin Eiermann. All eight rowers from the 3V team retained their seats, and the second varsity eight had eight athletes return—junior coxswain Lizzy Maybank and seven rowers...