Word: subs
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...Junior center Paul Nelson, sophomore forward Michael Sands, and freshman forward Greg Mangano combined for eight rebounds and 12 points in 34 minutes of action. “We’ve got a lot of bodies,” Jones said. “I was able to sub guys at will to try to give us a boost, and they did.” Yale’s advantage on the interior was most critical when it came to controlling the boards. Coming out of halftime, Yale only led 45-40, but five offensive rebounds in the first...
...struggling borrower's monthly payment. The Maryland Office of Financial Regulation, which collects data on some 380,000 loans from 65 servicers, found that of modifications completed last August and September, 42% kept the monthly payment the same and 18% actually raised it. An analysis of 3.5 million sub-prime and Alt-A loans by Valparaiso University's Alan White found that 68% of modified loans tacked on unpaid interest and fees, adding an average $10,800 to the balance due. A lender that caps the existing interest rate on an otherwise adjustable mortgage or reamortizes missed payments over...
...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 60 days...
...Carter, Carol • forwarding of e-mail to fellow Florida Republicans by ("How can 2,000,000 blacks get into Washington, DC in 1 day in sub zero temps when 200,000 couldn't get out of New Orleans in 85 degree temps with four days notice?") leads to resignation from state office...
Public input has been varied, but budget sub-committee co-chair Luc D. Schuster, said that most people tend to ask for more funding, rather than less, making cuts difficult...