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The Road Backwards: Reverse Mortgage Industry Outlook in 2016

New policy changes for the Home Equity Conversion Mortgage (HECM ... s annual tally. The next year, endorsements plummeted to 52,949 units—a level not seen since 2012, when the industry finished the y... read more

Primer on The False Claims Act; FHA, Wells, Agencies, and MI Companies Fight Over High LTV Ground

The share of FHA loan endorsements to ... to serve a wider segment of low-income borrowers, which is modestly beneficial for the mortgage insurers." FHA published Mortgagee Letter 2016-10, Home Equity ... read more

Shoestring Living: Be grateful every day

Back in the land where we didn’t have kids that participated in unimaginably expensive sports or wished for gifts like iPod Touches, my husband and I actually purchased gifts for each other. I am a go... read more

5 Ways to Turn a Liberal Into a Conservative (At Least Until the Hangover Sets In)

One of the first questions that usually comes up when people ask me about my book The Republican Brain is: “How do you explain my Uncle Elmer, who grew up a hard core Democrat and was very active in t... read more

My view: Ten myths about gifted students and programs for gifted

She has taught graduate-level gifted endorsement courses for more than 20 years ... procrastinate until the last minute when doing long-range assignments, get low grades, are disorganized and have poo... read more

Connect! Unite! Act! ATTN: Protest in Detroit Today! +Q: Will You Buy a Google Glass ?

I have long been impressed with how Ian Welsh is able to explain issues of politics and economics so concisely and brilliantly. He does not mince words, or pull punches. He smashes you full in your ... read more

Wage pressure taking toll on potential earnings, giving investors pause

According to Goldman Sachs estimates, a 1-percentage-point acceleration in labor cost growth would trim the S&P 500’s annual earnings by 0.7 percent ... employment rate unexpectedly fell to a decade l... read more

There have been 20 big league hitters named Brandon, and three play in the same infield. A look at the Brandons:

The list covers most of the alphabet, from Allen to Workman. It includes failed prospects (Wood), Cy Youngs (Webb), prolific tweeters (McCarthy), Gold Glovers (Phillips) and Tommy John patients (Beach... read more

Vilifying Gun Owners Doesn’t Lead to a Better Society

It's now everywhere, but the silence is allowed only with regard to "wrong" opinions. Enthusiastic endorsement of approved views is increasingly encouraged and expected. By insisting that everybody pi... read more

The Language Of Dance, Making Itself Clear in Peru

./A46792-2004Aug6.txt010064400037510000032000000043731010503526600142270ustar00spudftpweb00001400350331LOS ANGELES - The Philadelphia Phillies placed Kevin Millwood on the 15-day disabled list on Frid... read more

Merry Christmas Baby

Merry Christmas Baby To my beautiful wife, I wish I could give you the world this Christmas, and even that would pale compared to what you've given me. All I have to offer you is me and the eternal, u... read more

On the Origin of Science Writers

Every now and then, I get an email from someone who’s keen to get into science writing and wants to know how I started. Whenever I reply, and I always try to, I’m always left with the nagging feeling ... read more