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Virginia sure ain't what it used to be
Virginia sure ain't what it used to be Eight have hailed from the state, including six of the first 10 occupants of the White House – among them Messrs Washington, Jefferson, Madison and Monroe – and more recently Woodrow Wilson. It's now safe to And his record in office wasn't bad

PRESS SUDDENLY BULLISH ON IMMIGRATION: WashPost 2-col. lead, “House GOP may move on reform of immigration: WHITE HOUSE HOPES TO STRIKE A DEAL – Boehner will outline principles for party's caucus” … that President Obama is engaging in 'class

Chicago-area home sales, prices rebound in 2013,0,6284306.story
Seven years after crashing in spectacular fashion, the Chicago area's housing market found its footing in 2013, leading to optimism that the darkest days are behind an economic growth engine that fuels the sale of everything from home loans to lawn

Wall Street's Frightening New Plan To Become America's Landlord
Wall Street's Frightening New Plan To Become America's Landlord While firms like Blackstone often farm out the day-to-day management of the rental properties to third-party companies, those intermediaries are often also based in faraway states. Heights, OH, the hedge fund Magnetar Capital has become the largest

Introduction to Mortgage Loans

Introduction to mortgage loans

Guest View: Why Illinois needs to get ahead of the next recession

Although the nation has enjoyed record stock market and steady GDP growth for 10 years running, the current economic expansion can’t last forever. Many economists predict the next recession could come as soon as 2020. That’s bad news for Illinois, which still does not have its fiscal house in order 10 years after the height of the recession, despite one of the longest economic expansions in history.

The Great Recession was painful. Nearly 9 million Americans lost their jobs. Even more lost their homes. While Illinois' housing market still hasn't fully recovered, if Illinois doesn’t take steps to get its act together soon, residents here will feel that kind of pain again — or worse.

So what makes Illinois unprepared for the next recession?

For one, state politicians can’t manage to balance the books. Although prolonged periods of economic growth tend to reduce government deficits, Illinois has failed to pass a balanced budget each year since 2001. Failure to do the most basic of governmental duties has led to a dilapidated “rainy-day fund.” The state’s reserves only had enough revenue to service 81 seconds worth of state spending at the end of fiscal year 2018.

New Law Makes Freezing Your Credit Free In All States


As of today, Americans can freeze their credit files for free. That's the result of a new law President Trump signed earlier this year. Ron Lieber says everyone should take advantage of this. He writes the "Your Money" column for The New York Times and joins us now. Welcome.

RON LIEBER: Thank you for having me.

SHAPIRO: Let's start with the basics. What is a credit freeze?

LIEBER: A credit freeze gives you the opportunity to shut down your credit report, your credit file so that any company that does not already do business with you can't look into your report and check up on you.

SHAPIRO: And why do you think everybody ought to do this?

LIEBER: Well, it's one of the best tools that we have for preventing identity theft and stopping identity thieves in their tracks, and here's why. Any company that is not yet doing business with you that might want to open a credit account - say, a credit card or a new cellphone plan in your name - they're going to check your credit report. And if your report is frozen, they will not open a new account for you. So if some thief is pretending to you, they're going to have to go through this credit reporting system. And if the file is frozen, the thief will not be successful in opening the new account in your name.

Bad appraisal legal advice?

Thank you for any help you can give me on this. I am trying to refi my adjustable mortgage that has gone through the roof and causing a snowball effect on my finances so that I now have a very high debit ratio.

There are two types of bad appraisers: incompetent and fraudulent. It sounds like you have a case of imcompetency.