Types Of Bankruptcy

IMF: Central Banks Must React to Market  "Poor countries will be hit earlier and harder by climate change, owing to their geography, heavier reliance on agriculture and more limited capacity to adapt" Central bankers should pay


MOrtgage insurers unwilling to follow leaders  Could the controversial mortgage industry practice of listing hundreds of local real estate markets as "declining" -- and restricting lending through higher down payments or credit scores -- be scrapped?


What Does Interest Rate Hold For You?  The Bank of England has left the interest rate on hold after last month's surprise decision to raise the cost of borrowing.read more...


Houston Mortgage Monitor (Houston Chronicle)   INDIVIDUAL LENDER RATES The mortgage interest rate list represents a sampling of rates as quoted by lenders in the Houston market on Friday. Rates, which may change on


Islamic Center searches for new home  Eight local women in headscarves knelt Friday on stained green carpet in a dim, narrow room and prayed quietly as an imam's voice recited verses of the Quran in Arabic


Budget to increase pension, welfare payments  A substantial increase in pension and welfare payments, a cut of 1 percentage point in the top rate of tax and the provision of extra mortgage interest relief for first-time

September 11th, 2007

Incomes Lagging Behind Home Values

“Houses out here are almost like a 401k”

An Associated Press analysis of new census data provides insight into the reasons for the slumping housing market: Since 1990, homeowners have faced a growing gap between their incomes and the price of their homes.

The widening gap in all but a handful of the nation’s 500 largest cities helped make the recent boom in housing prices unsustainable, according to analysts. The rising prices were fueled largely by low interest rates and risky borrowing, rather than increasing incomes.

‘We had an artificial economy,’ said Brad Geisen, founder of Foreclosure.com, a Web site that lists foreclosure properties. ‘There was all this wealth created in real estate, and it wasn’t really created.’ Read more



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