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School teacher Shana Richey misses the play room she decorated with Glamour Girl decals for her daughters. Fireman Jay Fernandez misses the custom putting green he installed in his back yard. But ever since they quit paying their mortgages and walked away from their homes, they've discovered that giving up on the American dream has its benefits. Both now live on the 3,100 block of Club Rancho Drive in Palmdale, where a terrible housing market lets them rent luxurious homes—one with a pool for the kids, the other with a golf-course view—for a fraction of their former monthly payments. 'It's just a better life. It really is,' says Ms. Richey. Before defaulting on her mortgage, she owed about $ 230,000 more than the home was worth. People's increasing willingness to abandon their own piece of America illustrates a paradoxical change wrought by the housing bust: Even as it tarnishes the near-sacred image of home ownership, it might be clearing the way for an economic recovery. Thanks to a rare confluence of factors—mortgages that far exceed home values and bargain-basement rents—a growing number of families are concluding that the new American dream home is a rental. Some are leaving behind their homes and mortgages right away, while others are simply halting payments until the bank kicks them out. That's freeing up cash to use in other ways. Ms. Richey's family of five used some of the money to buy season tickets to Disneyland, and plans to take a Carnival cruise to Mexico in March. Mr. Fernandez takes his girlfriend out to dinner more frequently. 'We're saving lots of money,' Ms. Richey says. The U. S. home-ownership rate has charted its biggest decline in more than two decades, falling to 67.6% as of September from a peak of 69.2% in 2004. And more renters are on the way: Credit firm Experian and consulting firm Oliver Wyman forecast that 'strategic defaults' by homeowners who can afford to pay are likely to exceed one million in 2009, more than four times 2007's level. Stiffing the bank is bad for peoples' credit, and bad for banks. Swelling defaults could also mean more losses for taxpayers through bank bailouts. Analysts at Deutsche Bank Securities expect 21 million U. S. households to end up owing more on their mortgages than their homes are worth by the end of 2010. If one in five of those households default, the losses to banks and investors could exceed $ 400 billion. As a proportion of the economy, that's roughly equivalent to the losses suffered in the savings-and-loan debacle of the late 1980s and early 1990s. The flip side of those losses, though, is massive debt relief that can help offset the pain of rising unemployment and put cash in consumers' pockets. For the 4. 8 million U. S. households that data provider LPS Applied Analytics estimates haven't paid their mortgages in at least three months, the added cash flow could amount to about $ 5 billion a month—an injection that in the long term could be worth more than the tax breaks in the Obama administration's economic-stimulus package. 'It's a stealth stimulus,' says Christopher Thornberg of Beacon Economics, a consulting firm specializing in real estate and the California economy. 'The quicker these people shed their debts, the faster the economy is going to heal and move forward again. ' As the stigma of abandoning a mortgage wanes, the Obama administration could face an uphill battle in its effort to keep people in their homes by pressuring hanks to cut their mortgage payments. Some analysts argue that's not always the right approach, particularly if it prevents people from shedding onerous debts and starting a fresh. 'The effect of these programs is often to lead homeowners to make decisions that are not in their economic best interests,' says Brent White, a law professor at the University of Arizona who has studied mortgage defaults. SXB95
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参考答案:
举一反三
【判断题】吊装前,应 到现场了解吊装搬入井道的途径,顶楼搬出至机房的途径和搬入、搬出方法的确定,如有障碍物,应与甲方联系,找出解决方案。
A.
正确
B.
错误
【单选题】成本加成定价法的公式为?
A.
单位价格=单位产品成本*(1+加成率)
B.
单位价格=单位产品成本*(1-加成率)
C.
单位价格=单位产品成本/(1-加成率)
D.
单位价格=单位产品成本/(1+加成率)
【简答题】成本加成定价法的公式为
【单选题】受蜻蜓的飞行启发,发明直升机,运用了哪种创新思维?
A.
逆向思维
B.
类比思维
C.
发散思维
D.
收敛思维
【单选题】受蜻蜓的飞行启发,发明直升机,运用了哪种创新思维?
A.
逆向思维
B.
+类比思维综合思维
C.
综合思维
D.
发散思维
【单选题】"酒香不怕巷子深"所体现出的企业市场营销哲学是
A.
生产观念
B.
市场营销观点
C.
销售观念
D.
产品观念
【单选题】"酒香不怕巷子深"所体现出的企业市场营销哲学是
A.
生产观念
B.
市场营销观念
C.
推销观念
D.
产品观念
【单选题】道路施工测量中,高程控制点检测一般采用水准测量方法。对于高速公路和一级公路
A.
测量闭合差按(  )控制。
B.
二等
C.
三等
D.
四等
E.
五等
【单选题】"酒香不怕巷子深"所体现出的企业市场营销哲学是
A.
生产观念
B.
市场营销观念
C.
销售观念
D.
产品观念
【单选题】调用子程序的指令是( )。
A.
M98
B.
M99
C.
M03
D.
M30
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