Sushi Money 寿司的钱

Mortgage fraud arrests?按揭诈骗逮捕？ The news says hundreds swept up in mortgage fraud . 消息说， 数百名席卷在按揭诈骗 。 Hundreds?数百名？ Wow..哇.. amazing but a little late, huh?惊人的，但有点晚，许？ Well in a difficult economy it looks like the lawyers will have plenty of business.以及在一个困难的经济，它看起来像律师将有足够的业务。

While it looks like the Feds are finally announcing results of their investigations, it’s not just the mortgage brokers who are being looked at. Hedge funds are also now prime targets for investigation as to their role in the subprime mess.而它看起来像联邦调查局是最后公布的结果，他们的调查，它不只是按揭经纪谁正在研究。 对冲基金现在也主要调查对象 ，以他们的作用，在次级一塌糊涂。 And two former Bear Stearns executives were arrested this morning.和前两熊士坦高管被拘捕 ，今天上午。 Seems at least one of these gentlemen may have been secretly withdrawing his own money from a failing hedge fund while smiling to other investors about how well they were doing.看来，至少有一个，这些嘉宾可能已被秘密撤回自己的钱从一个失败的对冲基金，而面带微笑向其他投资者如何，以及他们在干什么。

After touring southern California last week it was amazing to see how prices have come down.后参观南加州上周这是了不起的，看看如何价格已经回落。 Builders are still building, but are also scrambling to close deals on various houses and subdivisions.建设者仍在建设，但也纷纷关闭交易的各种房屋和区分。 I even saw one sign: “Any Offer Accepted.” They probably left out the word reasonable.我什至看到了一个迹象： “任何提供接受”他们可能遗漏的词合理的。

I talked with several people who were seeing 40% reductions in the valuations of their homes.我所说的与几个人谁看到40 ％减少，在估价自己的家园。 They sighed acknowledging that in addition to supply and demand, it was primarily an income qualification issue for how much of a home people can really afford.他们感慨地承认说，除了供给和需求，这主要是收入的资格问题，有多少家的人真的可以负担得起的。 Reality was coming home to roost.现实是未来在家中称雄。

But during the hey day of the real estate boom, it wasn’t just the mortgage brokers leaning towards fraud.但在喂天的房地产热潮，这不仅仅是按揭经纪倾向欺诈行为。 Many speculators and home buyers fudged their applications with exotic loans just to buy a property.许多炒家及置业人士的fudged他们的申请与异国情调的贷款刚刚购买的财产。 Of course the speculation and application fraud is mostly history as more stringent mortgage qualification standards are now in place.当然，投机和应用欺诈大多是历史更严格的抵押贷款的资格标准，现在的地方。 But amazingly enough, mortgage fraud is still a problem across the nation.但令人惊讶的还不够，按揭诈骗仍是一个问题，在全国范围内。

I wonder if there’s any fraud in the oil or refining industry?我不知道如果有任何欺诈行为，在石油或炼油工业的？ Well maybe fraud is a bit strong of a word, but how about rampant oil industry speculation ?以及，也许欺诈是一种位强一个词，但如何猖獗，石油工业的投机活动 ？

“As business and consumers consider the implications for them of crude oil selling at US$130-plus per barrel, they should bear in mind that, at a conservative calculation, at least 60% of that price comes from unregulated futures speculation by hedge funds, banks and financial groups using the London ICE Futures and New York Nymex futures exchanges and uncontrolled inter-bank or over-the-counter trading to avoid scrutiny.” “作为企业和消费者考虑的影响，为他们的原油销售，在美国130元加至每桶，他们应紧记，在一个保守的计算，至少有60 ％的价格来自不受管制的期货投机的对冲基金，银行和金融集团利用伦敦冰期货和纽约纽约商业交易所的期货交易所和不受控制的跨银行或以上- -柜台交易，以避免在审议“ 。

We’ve been through the dot.com boom and the real estate boom.我们已经通过dot.com热潮和房地产热潮。 If this is the oil and gas boom, does that mean prices will come down later too?如果是这样的石油和天然气的繁荣，这是否意味着价格会回落，后来呢？ More importantly, what’s the next boom?更重要的是，什么样的未来繁荣？ I’d like to get in on that one…我想获得在对一…

With the struggling economy as the larger theme of this election year, people are looking for answers.  Housing is still a hot topic for many, especially in the high-flying real estate boomtowns across the nation.  CNN/Money writes that some of the hardest hit cities may see real estate drops of 50% of more!与挣扎的经济规模较大的主题，这次选举年，人们都在寻找答案。房屋仍是一个热门话题，许多人，尤其是在高飞行房地产boomtowns全国有线电视新闻网/钱写道 ，一些最难击中的城市，可能会看到房地产下降50 ％的更多！

That’s amazing to consider, but even more amazing to me are the statistics they put out on unemployment in some of the California cities.  18%?这是了不起的考虑，但更惊人的，我是他们的统计数字，提出对失业问题的一些加州城市。 18 ％呢？ 10%?  Wow.   Numbers don’t lie, but I can tell you that I’m sitting in one of those cities as I write this, and if unemployment is that bad, you can’t tell it from all the people out shopping and running around town.  The restaurants are pretty full, the roads are crowded, the stores are open and summer is getting underway for all the kids. 10 ％呢？哇。号码不说谎，但我可以告诉你，我，坐在之一，这些城市作为我写此文，如果失业是坏，你不能告诉它从所有的人购物和四处城。食肆相当充分，道路拥挤，商店开放和夏天是越来越正在进行中的所有孩子们。

Certainly appearances can be deceiving.  After talking with some of the locals, the small business owners indicate that sales have definitely slowed down compared to a year ago.当然外表可以欺骗人。会谈后与一些当地人，小企业主表明，销售有一定放缓， 1年前相比。   With food and energy prices skyrocketing that’s no surprise these days.  But even with the slowdown in spending there are jobs to be had in service industries.  Just not the kind of jobs that replace good paying industry jobs to support larger families.  But if you’re looking for temporary or minimum wage service jobs, you can find them.与食品和能源价格暴涨，这并不奇怪，这些天，但即使与放缓，消费有就业机会，应在服务性行业。刚才不是种的职位，取代良好的支付业的就业机会，支持较多的家庭，但如果您正在寻找临时或最低工资的服务性工作，您可以找到他们。

Even with real estate, there’sa few folks looking for the bottom .  Where I’m sitting, foreclosures are still up but bidders are jockeying for position to get the best deals on houses, often bidding the price up more than listed.  Will we head up from here or just wallow around for a while?  Most likely the latter.  But those tax rebates we’ve put to work have both good and bad news to go along with them.  Consumers are spending more money with free handouts, but the deficit isn’t getting any better either.甚至与房地产， 有几个乡亲寻找底部的地方，我坐， foreclosures仍在，但竞投者争夺的立场，以获得最佳的处理上房子，往往是竞标价格以上上市。我们将头从这里或只是wallow靠近了一会儿？最有可能的后者，但这些退税，我们已经提出的工作有好有坏消息，去与他们。消费者花费更多的金钱与自由的施舍，但赤字是没有收到任何更好。

We had a quiet weekend at home for Memorial Day, and spent the time catching up and visiting with family.我们有一个安静的周末在家中阵亡将士纪念日，花的时间赶上和来访的家庭。 Did gas prices keep us from traveling?没有天然气价格让我们从旅行？ No, not really, although we are driving less.不，不是真的，虽然我们驾驶的少。 It was just time to enjoy being home and getting some things done that we’ve been putting off.这只是时间去享受家庭和取得的一些事情，我们已经拖。

We did change our travel plans for the summer however.我们没有改变我们的旅行计划，为夏季不过。 Instead of driving across the country in a small RV, we’re now flying.而不是开车横越该国在一个小的RV ，我们现在的飞行。 It wasn’ta hard decision- we actually found round trip airfare for less than a third of what it would cost to drive the same distance.这不是很难的决定其实我们发现来回机票不到三分之一的会怎样的成本驱动器相同的距离。 So this way we’ll have more time once we get there, and save money as well.因此，这种方式我们将有更多时间，一旦我们得到有，并节省金钱，以及。 Up until a few weeks ago the price was comparable either way.直到几个星期前的价格比较，无论哪种方式。 But as gas prices have risen, driving became more expensive.但由于天然气价格上涨，驾驶变得更加昂贵。 Then we found some really cheap fares to fly, so that made it an easy decision.然后我们发现了一些真正的廉价票价飞，以便使其成为一个容易作出的决定。

I would like to have driven though- and stopped at different towns across the country to see how folks are doing out there.我想有驱动的，虽然和停在不同的城镇整个国家，看看如何乡亲正在做的出来。 Some of our relatives have been on the road for over four weeks and said people seem busier than ever.我们的一些亲属已在道路上为超过四周，并说人似乎比以往任何时候都忙。 But reading the news this morning it seems that consumer confidence has dropped to a 15 1/2 year low as reported by the Conference Board Consumer Confidence Index .但读的消息，今天上午似乎认为，消费者的信心已下降到15 1 / 2年来的最低点据会议委员会的消费者信心指数 。

The Consumer Confidence Survey is based on a representative sample of 5,000 US households.消费者信心调查是基于一个代表性的样本5000个美国家庭。 Says Lynn Franco, Director of The Conference Board Consumer Research Center:林恩佛朗哥说，主任会议委员会消费者研究中心：

“The Consumer Confidence Index now stands at a 16-year low (Oct. 1992, 54.6). “消费者信心指数目前停留在了16年来的最低点（ 1992年10月， 54.6 ） 。 Weakening business and job conditions coupled with growing pessimism about the short-term future have further depleted consumers’ confidence in the overall state of the economy.削弱营商和就业的条件，再加上日益悲观的短期未来的进一步枯竭，消费者信心在整体的经济状况。 Consumers’ inflation expectations, fueled by increasing prices at the pump, are now at an all-time high and are likely to rise further in the months ahead.消费者的通胀预期，刺激增加汽油价格，现在正处于一个所有的时间高并有可能进一步上升，在未来数个月。 As for the short-term outlook, the Expectations Index suggests little likelihood of a turnaround in the immediate months ahead.”至于短期展望，预期指数表明，不大可能出现转机，在眼前的未来数月“ 。

Consumers’ appraisal of current conditions grew more pessimistic in May.消费者的评价对当前状况的增长较为悲观，在5月。 Those claiming business conditions are “bad” rose to 30.6 percent from 26.5 percent, while those claiming business conditions are “good” decreased to 13.1 percent from 15.4 percent last month.那些称当前商业环境“糟糕”上升到30.6 ％ ， 26.5 ％ ，而那些称当前商业环境“良好”下降到13.1 ％ ，从15.4 ％上个月。 Consumers’ assessment of the job market was also more downbeat.消费者的评估，就业市场也更悲观。 The percentage of consumers saying jobs are “hard to get” was virtually unchanged, 28.0 percent versus 27.9 percent in April.百分比消费者称工作“难找”是大致维持不变， 28.0 ％ ， 27.9 ％在4月。 Those claiming jobs are “plentiful” declined to 16.3 percent from 17.1 percent.那些称工作机会“充裕”的下降到16.3 ％ ，从17.1 ％ 。

Last week the University of Michigan Consumer Sentiment Survey fell to a 28 year low .上周，密歇根大学消费者信心指数调查，下跌至28年来的最低点 。 Not since 1980 have consumers felt so negatively about the economy.不自1980年以来，有消费者认为，这么负面的有关经济。

It’s not hard to understand why with the challenges we’ve faced over the past year.这不是很难理解为什么与挑战，我们已经面临的在过去的一年中。 And with gas prices posting record price increases for over 20 straight days , it makes you wonder what’s really going on.与天然气价格张贴纪录价格上升，超过20天 ，它使你不知道什么的，实在正在进行中。 It’s like there’sa buying frenzy taking place… kind of like the dot-com boom except this time with oil and energy commodities.这就像有购买的狂热正在发生的…种一样，泡沫，除了这个时候与石油和能源商品。

But for most of us it is what it is.但对我们大多数人，这是是什么。 We’ll have to deal with it until the government figures out a workable response.我们将要处理它，直到政府公布的数字指出一个可行的回应。 Over the past few months, US drivers have indeed cut back on driving, but it hasn’t put a dent in gas prices yet.在过去几个月里，美国的司机确有削减对驾驶，但它并没有提出一个凹痕，在天然气价格。

But the Fed is reporting that the credit crunch is easing, and even home sales actually increased a little in April .但美联储的报告认为，信贷紧缩趋向缓和，甚至新屋销售实际上增加了一点，在4月 。 But sales activity is still very slow and the price of single-family homes has fallen quite a bit over the past year.但销售活动仍是十分缓慢和价格单家庭已下降了不少位在过去的一年中。

Do you lie in bed at night worrying about home prices?你的谎言在床上，晚上担心房价？ Most people don’t.大多数人并不。 We live in a house, and usually plan to be there for a while.我们生活在一个房子，和通常的计划存在了一段时间。 For me it’sa decade or longer asset, and not something we plan to borrow money from.对我来说这是十年或更长的资产，而不是我们计划借钱。 But if you’re trying to move or sell a house, it must be a difficult time.但如果您尝试移动或出售一所房子，它必须是一个困难时期。

The economic challenges will continue to affect most of us for some time.经济的挑战，将继续影响我们大多数人了一段时间。 Unless energy prices moderate soon, it’s going to get a lot tougher out there.除非能源价格温和很快，它将会获得了很多强硬的存在。

Lots of ways to look at the challenges out there.各种方式帮助看看的挑战存在。 If you’re curious how the tax rebate plan will affect you, the WSJ provides The Skinny on the Stimulus Plan .如果您感到好奇，如何退税计划，会影响你，华尔街日报提供了瘦就刺激计划 。 Also an interesting look at the most bubbly real estate markets across the US此外，一个有趣的审视最泡状房地产市场，美国各地

Lenders are also taking a new look at how to work with consumers . 放款人也采取了新的研究如何在工作与消费者 。
But even with all the challenges, Anya has it right with how a down market brings both reality and opportunity to the table.不过，即使所有的挑战， 阿尼亚它的权利与如何降低市场带来的现实和机会，以表。

Among our many personal finance challenges, selling a home can be a daunting task even in the best of times.  And now isn’t the best of times for most of the nation.  Okay, an understatement to be sure- the housing “slump” has gone on for more than a year and most experts are not predicting a turn-around any time soon.  But depending on where you live, real estate may not be too bad, with some economists even seeing a turnaround in progress in places such as Denver, Colorado for example.  Many metropolitan niche markets across the nation are also doing fine… but most of us don’t live in those places.  So lets not get ahead of ourselves- in 2007 housing construction fell by the largest amount in almost three decades in an unprecedented national downturn.  And foreclosures may continue to rise over the first half of 2008 before finally stablizing later this year.在我们的许多个人财务的挑战，出售一个家可以是一项艰巨的任务，即使在最好的时代。和现在还不是最好的时代，为大多数的民族。好吧，一轻描淡写，以确保-房屋“不景气”已进行了一年多，和大多数专家都没有预测投票靠近任何时间，尽快，但会视乎你的居住地，房地产可能不是太差，与一些经济学家甚至出现了转机的进展，在地方，如科罗拉多州丹佛市为例，许多先进利基市场在全国也做得很好… …但我们大多数人并不居住在这些地方，所以让得不到提前自己-在2007年房屋建设下降量最大，在近3几十年来在了前所未有的民族低迷。 foreclosures ，并可能继续上升，超过2008年上半年之前，最后稳定在今年稍后时间。

”Mark Zandi, chief economist at Moody’s Economy.com, is forecasting that median sales prices for existing homes will fall by 2.5 percent for all of 2007, which would be the first annual price decline on records that go back four decades.” “马克赞迪，首席经济学家穆迪的economy.com ，是预测中位数的销售价格为现有的家园将下降2.5 ％ ，为所有在2007年，这将是第一次年度价格下降的记录，就回去四几十年来” 。

Yet even with the pessimism, there is reason to hope.  The National Association of Realtors (NAR) f orecasts existing home sales for 2008 to stablize and gradually increase.  And for many people, it’s time to buy or sell a home regardless of what the market is doing.   For others the rental market looks pretty good right now as well.然而，即使与持悲观态度，我们有理由希望。全国房地产经纪人协会（ NAR ） ）架F orecasts的旧房销售量为2008年稳定和逐步增加。和对很多人来说，它的时间买进或卖出一个家，不论什么市场是这样做。别人的租务市场看起来不错，现在的权利以及。

Our lives are so often a tangle of priorities.  If you are selling a home because of a job change or family situation change, then your proverbial plate is pretty darn full.我们的生命是如此，往往纠纷的优先次序。如果你是卖一个家，因为工作变动或家庭状况的改变，那么您的谚语板是相当石坝爆满。   And if you’re selling because home ownership (and mortgage debt) is not something you can or want to handle anymore, then you may feel a lot of stress based on finances and a need for change.  Heck- selling a home is never easy no matter what your situation.  But if you’ve got some time on your side it can make the process a lot easier.如果您出售，因为居者有其屋（和抵押贷款债务） ，也不是你可以或要处理的了，那么你可能会觉得有很多压力的基础上的财政状况和改变的需要。赫克畅销的家庭从来不是一件容易的不管您的具体情况，但如果您有时间对贵方可以使这一过程容易得多。

On that note there is a wealth of information available, and it bears repeating a few key themes.  Bankrate.com has written about 8 Tips for Pricing Your Home .   Solid information that boils down to knowing your market, seeking professional help and working hard to understand valuation and price strategies.  But I think we can do a lot more.  We looked at some of those strategies in Get Ready to Sell That House .就说明是有丰富的资料，和值得重复的几个关键主题。 bankrate.com写了约8秘诀定价您的首页 。坚实的信息归结为了解您的市场，寻求专业人士的帮助和努力了解估价和价格策略，但我认为我们可以做的工作很多，更多，我们期待在一些这些战略在准备好推销说，内务 。    Selling by owner is also a challenge, so think hard about the FSBO approach .  And if you’re facing financial challenge and struggling with mortgage payments, we examined what you can do to avoid foreclosure .出售由业主也是一项挑战，所以觉得很难对fsbo的做法 。如果您所面临的金融挑战与挣扎与按揭付款，我们研究了您能做什么，以避免赎 。

Among all the negative news and gloom out there I try not to give into the hype.  The day is a lot brighter when I simply focus on our personal goals and priorities while turning down the volume of pessimistic commentary from the media.  I won’t tune it out completely because it’s important to stay informed.  But as with so many things, finding a balance in life is important.  A few years from now our memories will fade as we face the challenges of a new day.  I prefer to envision a positive future… setting  intentions for what we plan to achieve over time.  We can create a new future…  I wish you well!在所有的负面新闻和忧愁，有我尝试不给进入炒作。一天是一个很大光明时，我只是专注于个人的目标和优先事项，而拒绝货量悲观评论，从媒体。我不会调出来，完全因为它是非常重要的逗留通知，但由于有这么多的东西，找到一个平衡，在生活中是很重要的。几年从现在起我们的记忆会褪色，因为我们面对的挑战，新的一天。我宁愿设想一种积极的未来…设置的意图是什么，我们计划要达到以上的时间，我们可以创建一个新的未来… …我祝你顺利！

No matter what we read about the real estate market, there are still people who want to buy homes to live in.   There are always buyers and sellers, even in down markets.  Naturally this is a challenging time to be selling a home, but it’sa wonderful opportunity for a potential buyer.  I think it’s worth remembering that… there are buyers out there! The Street.com talks about opportunity for buyers in How to Get an Even Better Deal on a Home .   Their main idea?  Buying a FSBO, or For Sale By Owner house.  It’s an idea that works, both for the seller and buyer.  But it’s not always easy… especially for the seller!  I’ve bought and sold by owner, and would consider it again.  But as a buyer, I would definitely use a real estate agent as a “buyer’s agent” during the process.  And you really need to make sure “why” you’re buying the house.  Hopefully by now, most potential homebuyers are under no illusions about their home as a potential investment.  It may very well be a good investment many years from now…  but don’t be surprised if it’s value doesn’t go anywhere for a long, long time.  I’ve written about my experience with that process before!  But what a great opportunity buyers have if they do know what they’re looking for right now.不管我们从报章上得知的房地产市场，仍然存在着人谁不想置业安居总是有一些买家和卖家，甚至在下跌的市场。自然，这是一项具有挑战性的时间来出售一个家，但它' SA服务极好的机会，为潜在买主，我认为这值得一提的牢记…有买家有！ street.com谈的机会，买家在如何获得一个更美好的处理就一个家 ，其主要的想法呢？购买1 fsbo ，或所出售的房子的业主，它的思想工程，既为卖方和买方，但它并不总是容易…尤其是对卖方！我已经购买和出售所拥有，并会考虑再次，但作为买家，我肯定会使用一个地产代理商作为一个“买方的代理人”的过程中。和你真的需要，以确保“为什么”您买房子。可望由现在，最潜在置业是根据不抱任何幻想他们的家作为一个潜在的投资，它很可能是一个很好的投资多年，从现在起… …但不感到惊讶，如果它的价值并不在任何地方为一段很长的时间。我写关于我的经验与过程之前！什么，但一个巨大的机会买家，如果他们知道自己在寻找什么权利现在。

If you’re selling your home, know that going the FSBO route takes enormous patience and dedication, but can also be very satisfying if you’re a “do-it-yourself” type… and you succeed.  While your waiting, showing and being patient, it isn’t very satisfying at all!  Unless of course you have plenty of time and don’t mind keeping your home “show-ready” for months on end. But it can save a lot of money if all goes as planned. In the current market climate however, I’m not sure I would go the FSBO route unless very confident about the process and the home I was trying to sell, especially as compared to the “competition” around the local area.如果您销售你的家，知道走fsbo路线需巨大的耐心和奉献精神，但也可以很满足如果您是“自己动手”式的… …和你取得成功的同时，您的等待，显示和耐心，这不是令人非常满意，在所有！当然，除非您有足够的时间和不介意让您的家“ ，显示准备”数个月就结束，但它可以节省很多金钱，如果一切顺利计划，在目前的市场气候，但我不知道我会走fsbo的路线，除非很有信心的过程及民政，我试图出售，特别是作为相比， “竞争”的周围地区。

If you do decide on the FSBO approach, the article above alludes to several strategies and helpful interent companies such as ForSaleByOwner.com .  I’ve used them successfully, but I think the single most important factor was being able to get the house listed in the MLS (Multiple Listing Service).  So even though I managed and sold the home as a FSBO, it was listed on the MLS for agents to see.如果你做的决定对fsbo的做法，文章提到了上述的几个战略和帮助interent公司，如forsalebyowner.com ，我用过他们的成功，但我认为最重要的单一因素是能够得到众议院中列出的该英里（多个上市服务） 。所以，即使我的管理和出售家作为fsbo ，这是列在职业足球的代理商看到的。

Three Northwestern University professors who wrote an August study about the FSBO market say that MLS-listed homes do not necessarily deliver a higher price, but do offer a higher probability of a quick sale, within 60 or 90 days.三，西北大学教授谁写一八月研究有关fsbo市场说英里上市的家园并不一定提供更高的代价，但提供了更高的概率快速出售，在60岁或90天。 In addition, roughly 20% of FSBO listings end up relisting in the MLS, which translates into a longer time on the market.此外，大约20 ％的fsbo上市，最终relisting ，在职业足球，这转化为更长的时间在市场上。 Thus, one of the advantages of MLS is a shorter time to sale, which translates into savings (on mortgage, taxes and insurance).因此，好处之一英里是一个更短的时间内出售，其中转化为储蓄（对按揭贷款，税收和保险） 。

Of course some people would do almost anything to sell their home right now.   That’s where buyers have the real advantage today, and the single greatest factor, as always, is price.  I’ve talked before about the things you can do as a seller to present your home.  It’s absolutely essential right now.当然有些人会做几乎任何出售他们的家的权利，现在，这是哪里的买家有真正优势的今天，与单一的最大因素，一如往常，是价格，我已经谈过前，有关的东西，你可以做1卖方出示您的首页，这是绝对必要的权利。

Well, not everyone appreciates the government’s effort to try and help homeowners facing mortgage challenges.以及，不是每个人都感谢政府的努力尝试，并帮助业主面临的按揭的挑战。 I can understand both sides of the issue, I just think that doing something is a lot better than nothing in the current economic climate.我可以理解，双方对这个问题的，我只是觉得这样做是有很多聊胜于无，在当前的经济气候。 A recent USA Today editorial makes a similar case, and says “ Freeze those teasers .” But others take a more hard line view such as Mr. John Berlau at the Center for Entrepreneurship at the Competitive Enterprise Institute.最近今日美国报的社论作出了类似的案件，并表示“ 冻结那些玩笑 ” ，但其他人采取更强硬路线的看法，例如约翰先生berlau在该中心的创业，在竞争力的企业研究所。 Interesting viewpoint, but I just don’t think it’s really that significant over the long term.有趣的观点，但我只是不认为这是真的如此显着超过的长远目标。 Reform is necessary in the mortgage lending industry, and I suspect legitimate mortgage lenders will work a little harder to ensure clients understand the terms of mortgage loan contracts in the years ahead.改革是必要的，在按揭贷款行业，我怀疑的合法抵押贷款机构将工作有点困难，以确保客户了解的条款，按揭贷款合同，在未来的岁月。 Is it Congress’ turn now?它是美国国会现在谈谈？ We may see additional legislation to try and help people facing ARM resets and foreclosure.我们可能会看到更多的法例，以尝试和帮助人们面临的手臂重置和赎。 How do you feel about it?你怎样的感受呢？