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- chicagotribune.com - News
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With homework, testing and full-day classes, today's kindergarten bears a striking resemblance to first grade. Some experts call that progress, but others worry that 5-year-olds are being pushed too hard, too soon
With homework, testing and full-day classes, today's kindergarten bears a striking resemblance to first grade. Some experts call that progress, but others worry that 5-year-olds are being pushed too hard, too soon
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- chicagotribune.com - News
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For some couples, a joint account works, but keeping money separate gains popularity
Gay or straight, married or not, pretty soon all couples sharing a roof overhead have to figure it out: Who's going to pay for what, and should we merge our money along with the rest of our lives?
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- chicagotribune.com - News
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Quality measurements raise concerns about conflict between best care, cost controls
The new federal health care law is bringing additional demands by insurance companies that doctors and hospitals be held to higher quality standards. But the push could leave patients with fewer choices.
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- chicagotribune.com - News
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Craigslist has shut down its adult services sections, weeks after Illinois Attorney General Lisa Madigan and attorneys general from 16 other states demanded that the company do so, officials said Saturday.
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- chicagotribune.com - News
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Voters growing dissatisfied with governor but remain unsure about Republican rival
Voters don't know much about Bill Brady, the Republican candidate for governor, but they prefer him, by a slim margin, to Gov. Pat Quinn, a Democrat they dislike, a new Tribune/WGN-TV poll shows.
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- CNN.com - Technology
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It's been two weeks since Facebook users took to blogs and message boards to voice their concerns about Places, a location-based service that allows people to check in to gathering spots via the social network. 
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- CNN.com - Technology
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NHL2K11 (2KSports/Visual Concepts) tries to bring realism to sports on the Wii, but falls short because of control issues and a spotty artificial intelligence. 
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- CNN.com - Technology
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Facebook is apparently testing a new subscription feature that would allow users to receive alerts any time a specific friend takes certain actions on the social network. 
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- CNN.com - Technology
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Apple this week launched Ping, a new social network that runs within the iTunes software. 
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- Mortgage News Daily
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Posted To: Mortgage Rate Watch It is the first Friday of the month and that brings us the official government report on the labor market: The Employment Situation Report. This release provides four headline measures on the health of the jobs sector. Nonfarm Payrolls: totals the number of jobs that were added to or cut from employer payrolls in the prior month. Consensus Forecast: -100,000 vs. -131,000 in July (Private payrolls increased 71,000 in July and +41,000 expected today) Unemployment Rate: the percentage of working-age, mentally able-Americans who are jobless. Consensus Forecast: 9.6% of the labor force vs. 9.5% last month Average Hourly Earnings: the average amount of earnings per hour of labor performed. Consensus Forecast: +0.1% vs. +0.2% last month. Average Work Week: average amount of hours worked by an employee...(read more)
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- Mortgage News Daily
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Posted To: MBS Commentary NFP has come and gone, let's see where things stand.... The October delivery FNCL 4.0 is -0-09 at 102-15. In the chart below I called attention to a few technical inflection points. The ascending trend channel that helped mortgage rates hit new lows on Wednesday has broken down and FNCL 4.0s have made their way back into the range that moderated price action for the majority of August. The falling knife found support and bounced higher directly in the middle of that range. 10s flagged lower for the entire month of August (all summer really) and are now flagging higher. The 2.625% coupon bearing 10 year TSY note is off its session price lows (98-24) at 99-07 yielding 2.715% (+8.8bps). 10s are the worst spot on the curve followed by 7s (+8.6bps) and the long bond (+7.6bps). Volume was heavy into...(read more)
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- Mortgage News Daily
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Posted To: MND NewsWire The Federal Housing Finance Agency (FHFA), conservator of Freddie Mac and Fannie Mae (the Enterprises) has established its final housing goals for the Enterprises in 2010-2011. FHFA is required by the Housing and Economic Recovery Act of 2008 (HERA) to set such goals for targeted segments of the mortgage market The new rules establish three goals for single-family, owner-occupied home purchases; one for low-income families, another for very low-income families, and a third for families living in geographical areas with lower-income populations, areas with high concentrations of minority residents, or federal declared disaster areas. The goal for disaster areas contains a sub-goal to ensure that the needs of lower-income and minority areas are addressed. A goal has also been established for...(read more)
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- Mortgage News Daily
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Posted To: Pipeline Press If there's one thing that an investor will never let any originator off the buyback hook for, it's fraud . Not only that, but the penalties can go far beyond merely buying back the loan, and saying' "My bad." Just in the last few days, Laura-Jean Arvelo and Ronald O'Malley, a New Jersey mortgage broker and former head of the Bergen County Improvement Authority, was indicted by a federal grand jury on charges of preparing fraudulent mortgage applications. Both are charged with wire fraud, bank fraud and loan application fraud in order to take bogus documents and falsified applications to trick lenders into making mortgage loans and benefited from fees they received. Ryan Miller of Missouri was sentenced to more than 12 years in federal prison and pay $6 million in restitution for mortgage fraud...(read more)
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- Mortgage News Daily
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Posted To: MBS Commentary THE EMPLOYMENT SITUATION – AUGUST 2010 – BETTER THAN EXPECTED From the Release... Nonfarm payroll employment changed little (-54,000) in August, and the unemployment rate was about unchanged at 9.6 percent, the U.S. Bureau of Labor Statistics reported today. Government employment fell, as 114,000 temporary workers hired for the decennial census completed their work. Private-sector payroll employment continued to trend up modestly (+67,000). The number of unemployed persons (14.9 million) and the unemployment rate (9.6 percent) were little changed in August. From May through August, the jobless rate remained in the range of 9.5 to 9.7 percent. The number of long-term unemployed (those jobless for 27 weeks and over) declined by 323,000 over the month to 6.2 million . In August, 42...(read more)
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