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...problem with option ARMs begins with the fact that people who took out these loans were given the chance to make ultra-low payments for the first few years - and many of them did exactly that. Borrowers, mostly middle- and upper-class with good credit scores, were allowed to make payments that didn't even cover the interest owed (let alone the principal), with the understanding that payments would spike later on to make up for the shortfall. That allowed people to buy bigger, more expensive houses than they would have been able to qualify for otherwise. Plenty of families...
After seven rounds of competition at the Cambridge Queen’s Head, Ausick defeated 21 freshmen with the spelling of “zydeco,” a popular type of music from southern Louisiana featuring washboards and accordions. As his prize, Ausick took home $100 and 100 intramural points for his dorm, Greenough...
...Ratnesar: My quick reaction: This went better than I expected. He is, unfortunately, a wooden public speaker, and it clearly took effort for him to make such an openly confessional statement. But he sounded genuine, genuinely sorry and chastened. In some ways, the shot of him and his mother after the speech was the most powerful one of all - he seemed in that moment, finally, vulnerable and all too human. And I think that if he hopes to win the public back, showing humility - rather than the imperious self-confidence that has long been part of his mystique - will...
...held the first two presidential nominating contests. Iowa is a caucus, which means that only a small - and ideologically extreme - fraction of the state's voters take part. New Hampshire, by contrast, is an open primary, which encourages candidates to appeal to voters outside their party. If every state took New Hampshire's example to heart - and allowed independents to vote not only in presidential primaries but in congressional ones as well - the consequences could be profound. Not only would more moderate candidates win, but the same candidates would stake out more-moderate positions, the result of which might...
...might have been more profitable for Obama to have concentrated on trying to fix Gaza first. It was the immediate crisis when he took office, and it remains so. It is difficult to solve, but not impossible. Success would set a predicate: the Administration could be relied upon to work hard, and pragmatically, on vexing issues along the way to an ultimate deal. It could be trusted by all sides. That possibility still exists, although senior Administration officials seem unduly pessimistic about the chances of success. And there is a big obstacle here: the best way to resolve Gaza...