Here There and Everywhere

Expat wanderer

10 Weird Things Tag

. . . or things you didn’t know about me.

1. When I was ten years old, I won a prize for getting five shots under a dime. I was a sharpshooter – at 10!

2. How many people do YOU know who are born in Alaska? I’m one.

3. My high school proms were held in the Heidelberg Castle.

4. My high school graduation was held in the Heidelberg Castle.

5. My sister was married in the Heidelberg castle.

6. I met my husband during my sister’s wedding preparations, and we eloped 6 weeks later because we wanted to be married, but neither of us like the stress and visibility of a wedding.

7. Some of my photos have won prizes.

8. I won a set of encyclopedias once by writing an essay.

9. I surprised myself by being a highly successful fund-raiser. I never thought I would be good at asking people for money, but when it was for charity, I was really really good.

10. I am an introvert who looks like an extrovert.

I tag Skunk
Kinan
1001 Nights
Little Diamond
Elijah

Tell us 10 thing weird or that we wouldn’t know about you.

April 2, 2007 Posted by | Alaska, Blogging, Community, Cross Cultural, Experiment, Marriage, Mating Behavior, Relationships, Social Issues | 11 Comments

U.S. Continues Proud Tradition Of Diversity On Front Lines

Funny in a very sad way . . .from The Onion. Note the Kuwait dateline – folks, this is satire, one of the bleakest forms of humor.

CAMP COYOTE, KUWAIT—With blacks and Hispanics comprising more than 60 percent of the Army’s ground forces in Iraq, the U.S. military is continuing its long, proud tradition of multiculturalism on the front lines of war. “Though racism and discrimination remain problems in society at large, in the military—especially in the lower ranks where you find the cannon fodder—a spirit of inclusiveness has prevailed for decades,” Gen. Jim White said Monday. “When it comes to having your head blown off by enemy fire, America is truly colorblind.”

March 31, 2007 Posted by | Bureaucracy, Communication, Community, Counter-terrorism, Cross Cultural, ExPat Life, Fiction, Humor, Lies, Living Conditions, Middle East, Political Issues, Social Issues, Statistics, Women's Issues | Leave a comment

Bad Laws Encourage Breaking the Law

Going to university in Seattle, I did a paper on Washington State “Blue Laws” and how they were repealed. In Washington State, they have some really cool ideas that encourage citizen participation – one is called the initiative, and the other is called the referendum.

What this means is that citizens, just common, ordinary citizens like you and me, can gather support and signatures, and initiate proceedings to get a proposal on the ballot, in front of all the voters. They can also refer an existing law to the voters to get it repealed (made not a law anymore.) It’s hard work – but citizens do it all the time.

I just used my internet phone to change my car reservation, because KLM has “delayed” my flight by one night. I broke the law. It’s a bad law, and I am not by nature a law-breaking kind of person.

I also break the law by bringing in real vanilla flavoring when I enter Kuwait. Yes, it contains alcohol. I only use it for cooking, and I never serve it to Moslems. I have alcohal-free vanilla, too, that I use for when I cook for Moslems, but it doesn’t taste the same.

I probably bring in books and DVD’s that I am not supposed to, although I have never seen a list telling me what books might not be allowed. Most of my books are about ideas, and yes, ideas can be a dangerous thing.

Bad laws force normal law-abiding people to break the law.

(This does not apply to speed limits, which are good laws, and if they were obeyed, would save hundreds of lives in Kuwait every year. Think of every life as something precious, a resource, and you will see that disobeying the speed limits is like throwing resources down the drain.)

I know this entry is really all over the map, but I have all this angry energy and I don’t have anywhere to expel it. If I could, I would kick KLM all over Kuwait for what they have done. They have robbed us of one day with our son and his wife and I am really really angry. They didn’t even tell us, just changed the reservation. One flight was “delayed” 24 hours, so all the passengers on the next flight were also “delayed”. That’s not a DELAY! You cancelled a flight! And now you are going to have hundreds of angry passengers, angry phone calls, and people PO’d at KLM. Shoddy way to do business.

March 29, 2007 Posted by | Communication, Community, Cooking, Crime, Cross Cultural, Customer Service, ExPat Life, Family Issues, Holiday, KLM, Kuwait, Language, Lies, Living Conditions, Rants, Seattle, Shopping, Social Issues, Spiritual, Travel | 5 Comments

A Male Theory

I read this op-ed piece yesterday in the Kuwait Times, and found it heartbreaking. And yet . . . I read hints of these stories in your blogs, too. I am printing this with the author’s permission. Tell me what you think – and make a copy and send it on to Fouad Al-Obaid, whose e-mail address is at the end of the article.

A Male Theory
By: Fouad Al-Obaid

In recent talks with many friends, I heard rather spine chilling revelations on how my fellow males (Kuwaiti that is) perceive their fellow Kuwaiti girl counterparts! Today I will try to rationally touch upon a matter that is highly irrational in nature. I will discuss the Kuwaiti male theory on women, dating and relating.

The average Abdallah I have noticed is a person filled with great ego, an individual who has a desire to control and manipulate others. In his desire to manipulate, often encourage by both elder relatives and society at large, seemingly has developed a tendency to project power over his friends, enemies, and concubines alike.

The desire of power is inherently something that most men aspire to. However if everyone in society was a leader then it would be hard to govern. Hence men in local custom, and to an extent projected in religion are deemed to be sovereigns of their possessions, which could be understood as leaders of their family and of the people that directly report to them. In this social order, a concubine is yet another person the average Abdallah can project his power upon.

A dilemma however constantly surrounds the average Abdallah for despite his desire to grow his “harem” he is conscious that perhaps other ill-natured people: people at the end of the day similar to him, are likewise on the look for yet another conquest.

Abdallah aware of the situation realizes that people out there could try to make any-given number of his female relatives likewise concubines in their respective “harems”. At this point if one question’s Abdallah’s rational of wanting other female yet at the same time if one transgressed his “sovereign kingdom” he would not hesitate to decapitate the fool who would have dared come close to any of his female relatives. Yet he like a lion in a jungle after a long day preying on Gulf Street and Marina, nevertheless is proud to share details of his hunt with fellow kings at their weekly roundtable or more correctly speaking “diwaniya”.

Moving to the next illogical notion that many have in recent times developed, if a girl accepts to even talk “innocently” on the phone it is seen as a big problem by many, yet most if not all people I have come to known do it on a rather consistent basis. Following the initial contact, a relationship develops usually, and more often than not, it would be an open one, unless off course prince-charming is eloquent in speech and threatening in nature. If the later is the case, then another highly illogical matter arises. Brining back the concept of power and control, guys I have noticed have this inherent nature to have the final word on most of everything. This is applied to “dating” for I have witnessed many irrational actions based on the later notion.

I recall once being with a friend cruising around when he called his “girlfriend” and asked here where she was. Upon knowing that she was out with her mother, he started to literally scream and shout at her, telling her how she disobeyed his command to not go out, and ordered her to return home immediately, he further instructed her to make an excuse in order for her mother not to doubt anything was wrong with her! I for one was shocked by the conversation and so I intriguingly asked the given friend about the rational of his action.

In all calm and serenity he replied that he had to teach her how to respect him. Furthermore he went on how it made him feel good, and that it was her fault not to ask permission from him to go out! What made the situation that much more unusual was the fact that they were “phone-dating”, needless to mention the irony of the situation!

On the one hand you have the guy ordering a girl he physically isn’t close to. On the other hand you have a girl who naively believed that the guy was overprotective and saw it as a gesture of love, or simply plainly put happened to be stupid, foolish enough to abide by the rules of a guy she barely knew; certainly a guy she will not end up having any meaningful relationship with.

For thoughts and comments fouad@kuwaittimes.net

So here is my question – would a man marry a woman who had a phone relationship with him? Is a phone relationship enough to ruin a woman’s reputation?

March 27, 2007 Posted by | Blogging, Communication, Community, Cross Cultural, Family Issues, Kuwait, Lies, Living Conditions, Marriage, Mating Behavior, News, Relationships, Social Issues, Women's Issues | 10 Comments

The Kuwait Church Souk

In Kuwait, as in most of the Middle East, in the shopping areas, shops that sell the same kind of goods are grouped together. “Souks” in the traditional shopping areas are small stalls, or open displays, thus all the vegetable vendors are grouped in one area, the perfume dealers in another, the cloth dealers in another. It is handy – when you go looking for something, if one shop doesn’t have it, another surely will.

I remember once looking for masonry screws in Doha; when the first stall didn’t have it, he left his stall – and all his merchandise, unprotected – and took me to his friend, who did have them. Sometimes a stall owner will send a helper to another store, and return with the item you are seeking.

Even some of the large malls seem to group similar vendors in the same spots. In Saudi Arabia, I remember entire floors devoted to shoes, or to abayas, or to accessories, or cloth and tailors.

So it gives me a big grin to go to churchin Kuwait on Fridays.

Friday mornings are sleepy in Kuwait. It’s a day off for the majority of the population, and Moslems go to the mosque for Friday prayers around noon. In the middle of downtown Kuwait, however, even early on a Friday morning, there is a hive of activity – at what we call the “church souk”.

It’s really a very clever concept, and also one that tickes my heart. In one area are many many churches. They are all Christian, and range from congregations of mainly Indian men, to Phillipino families, Nigerians, Chinese, Western, Baptist, Evangelical, Catholic, Orthodox, at least one congregation which has live musicians playing loud, joyful hymns and then more staid and traditional congregations.

I’ve often wondered how all these different congregations manage to work out a schedule – there must be at least 10 – 12 different meeting locations – for sharing the chapels, for managing the time needed to get people seated, and then to clear up and get people out again. It’s exactly these kinds of little bureaucratic quibblings that can stir up a hornet’s next of problems between “like minded” believers. If there are problems, the church leaders seem to work them out without acrimony. I wonder how they do that?

In my heart, I believe this is how we were meant to worship – and although our worship has different styles, it delights me that we all – hundreds of us, if not thousands – meet in the one area, every Friday, and have the freedom, here in Kuwait, to worship each in our own style. That’s a very powerful freedom.

March 24, 2007 Posted by | Bureaucracy, Community, Cross Cultural, ExPat Life, Family Issues, Kuwait, Living Conditions, Middle East, Random Musings, Relationships, Social Issues, Spiritual | 4 Comments

Ultrametabolism and Kuwait Diet

I used to be thin. Really thin. Actually, I have been really thin several times in my life, but, *sigh* no longer.

This morning as I was picking up my e-mail, this review on AOL caught my eye. Dr. Mark Hymon is one of the AOL Wellness Coaches, and he has written two books, one called Ultrametabolism, about using your built in genetic strengths to lose weight and maintain the weight loss naturally, and one called Ultraprevention about foods to eat (and not to eat) to contribute to overall wellness and good health.

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If you’ve been reading me for a while, you will know that I can be a little cynical.

What I like about Dr. Hymon’s approach is that it makes sense.

Diets that totally eliminate foods you love just aren’t going to work. Give up pasta for the rest of your life? I don’t think so. But what Dr. Hymon asks us to do is to eat mostly non-processed, or minimally processed foods. He says that the processed foods have components that the body doesn’t even recognize as food, and that’s why after eating things like Twinkies, Mars bars, packaged crackers, etc. we still feel hungry – our bodies don’t recognize what we have eaten as food.

Here is what Dr. Hymon suggests (this is from the AOL Health and Fitness section):

How to use what you eat to tell your DNA how to slim you down and live a healthier life.

Day 1. Clean out your cabinets, refrigerator and freezer. Get rid of packaged items filled with processed fats and sugars. Check the lable – if it says “hydrogenated oil” or “high fructose corn syrum” get rid of it.

Day 2. Go shopping for whole foods. Find a farmer’s market in your area for fresh produce and schedule visits in your calendar weekly or biweekly over the next few months. At the grocery, choose items from the “perishable perimeter” of the store, instead of items in the center aisles where processed foods lurk.

Day 3. Change your oil! Throw out old oils, which can become rancid quickly. Replace vegetable oils like safflower and canola with extra-virgin olive oil and make it your primary oil for cooking and salad dressings.

Day 4. Visit a health food sotre. Leave there with 10 new items you’ve never tried before. Bulk-purchase whole grains, legumes and nuts. Look for new whole grain cereals, breads and snacks without processed additives, fats, sugars or preservatives. And remember: just because it’s in a health food store, doesn’t mean it’s good for you. Read the labels of any packaged foods you buy.

Day 5. Choose Eggs! Choose organic eggs farmed with omega-3 fats. Make yourself a spinach omelet for breakfast. Eggs are a good source of protein. You can enjoy as many as eight a week.

Day 6. Become wild about fish. Find a local fishmonger or educate yourself by talking to your local grocer. Or learn more about which fish are best to eat by visiting www. ultrametabolism.com. Print out a primer to bring with you when you shop.

Day 7. Prepare some healthy snacks for when you’re on-the-go. Pack a small zipper bag with a few servings of almonds or walnuts. One handful equals a serving.

Day 8. Don’t go thirsty. By now, you’ve tossed the sodas. Bring out the blender and learn to make high protein, no sugar smoothies. Experiment with crushed ice and fresh fruits. You can even make frozen nut cubes by soaking nuts overnight, blending them and then freezing them with a bit of water or milk in ice cube trays. Your smoothie will be creamy and full of good fats and proteins.

As I did his online mini-seminar, I found myself thinking “everything this Dr. Hymon is recommending is the way Kuwaitis USED TO eat.” And I also found myself thinking what a wealth of opportunity we are living amidst, here in Kuwait, where we can go to any market and buy FRESH fish, really fresh, right off the boats, in the local fish markets. We can buy fresh meats, and fresh vegetables, lots of them grown right here in Kuwait. We can buy fresh eggs. even fresh chicken when not under threat of Avian Flu. Kuwait is a paradise for exactly this kind of diet.

Not only do we have access to fresh, locally grown foods, but the cost is so much less than processed foods on the shelves. He is talking about lentils and grains commonly available here in those big sacks, down in the Souk Mubarakiyya, as well as in the co-ops and the Sultan Centers.

This isn’t anything new, eating low on the food chain, eating fresh, but it does strike me as a diet that particularly works in Kuwait, and a kind of diet that you can live with for the rest of your life, because it doesn’t make changes in your life that you can’t live with. Like he does tell us to give up soda, one of the main contributors to obesity in the world today. As you get older, carbonated beverages aren’t that hard to give up because they also give you heartburn, so just another reason to steer clear of all those unwanted calories the body can’t identify as food.

He didn’t say anything about chocolate . . . but I have ordered both books from Amazon.com hoping that the dark, semi-sweet, barely processed chocolate that I love will also be “just what the doctor ordered.” Meanwhile . . . I hear a spinach omelet calling my name!

March 21, 2007 Posted by | Books, Cooking, Cross Cultural, Diet / Weight Loss, ExPat Life, Family Issues, Generational, Health Issues, Kuwait, Living Conditions, Shopping, Social Issues, Uncategorized | 2 Comments

Djinns and Jewish Grandmothers

Two small nuggets from today’s Kuwait Times.

Black ‘Jinn’ Terrorizes Bayan Neighborhood
Kuwait: Terrified Bayan residents were unable to sleep last night from fears of being victims of an unknown creature, which attacked many of them.

Police said that they received several reports from residents of the creature, which they dubbed as ‘jinn.’ One complaintant said that the ‘jinn’ attacked his wife while she was praying; another said that his daughter had been attacked and strangled, while a third said that someone kept consistently knocking on his bedroom window but none claimed to have actually seen the ‘jinn.’

(Police captured a “ferocious black ape”.)

I love this second article:

Jewish Grandmothers Patrol Checkpoints in West Bank
Jerusalem: Hanna Barag remembers the day an Israeli soldier called her a Palestinian whore. She was 67 and she had just joined Machsomwatch, an all-women group set up to curb human rights abuses at military checkpoints in the West Bank. “It was at the Qalandia checkpoint between Jerusalem and Ramallah,” Barag said, “and the remark at first struck me speechless. But then I asked him two questions: ‘Do you really think a woman my age has a chance at that profession? And would you say what you said to me to YOUR grandmother?'”

The soldier said nothing, but was embarrassed, and when Barag, who was born in Israel and describes herself as a Zionist, returned for another “shift” of watchdog duty a week later, the soldier was there – and apologized.

That was in the early days of Machsomwatch, set up in 2001 by three Israeli women who were alarmed by a spate of reports of beatings and abuse of Palestinians at the hands of Israeli soldiers manning checkpoints. . .

You can read the rest of the story here.
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Little old ladies in tennis shoes, volunteering to guard the guards one night a week. . . changing their world.

March 20, 2007 Posted by | Crime, Cross Cultural, Customer Service, ExPat Life, Family Issues, Kuwait, Living Conditions, News, Political Issues, Social Issues, Uncategorized, Women's Issues | 7 Comments

Even After All this Time – Latifi

A good book can make your blood race faster. A good book may even require underlines, turned page corners to mark the places you liked the best. A good book may compell you to tell others about it. Above all, a good book is a book you think about long after you have turned the last page.

Some of my best “good books” come to me through Little Diamond, my neice who lives in Beirut. We share a family culture, but even better, we share a wacky sense of humor. There are times we can’t even let our eyes meet in family gatherings, because we are thinking the same thing and can’t afford to laugh out loud.

She recommended this book to me more than three years ago, and I bought it immediately. And then it sat in my “read me soon” pile(s), languishing, unread, until early this year.

Oh, what a treat this book is! Once I picked it up, I could hardly put it down!

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The book is autobiographical, and begins in pre-revolutionary Iran, where Afchineh Latifi’s father is a soldier. You see the early years of her life with her sweet, struggling parents, and you feel like you lived in their home with them, the images are so vivid.

As a military officer, though, her father is suspect once the revolutionaries come into power, and her family’s fortunes fail. Her father is arrested. As Latifi’s mother bravely goes from jail to jail, trying to find her husband, her daughters are often with her. Once she finds him, she brings him comfort items – shaving kit, washcloth, etc. so he can maintain a small amount of dignity while he is being beaten and imprisoned. Latifi’s mother was young when this book opens, maybe in her thirties, with two daughters and two sons, and I am totally blown away by the courage it took to persist as her husband was transferred from prison to prison, increasingly brutalized, and then, immediately after the last visit – shot. So immediately that the family heard the shots.

And then the real nightmare begine. The young mother and her family have no income, and her (now dead) husband’s mother claims her house, even though they bought her a house of her own while her husband was alive. Latifi’s Mom never gives up. She gets her daughters visitor’s visas to Austria and puts them in a convent school, and then gets them to America – again on visitor’s visas – where they are forced to camp – for years – with a relative. Literally, years. Their brave mother eventually manages to get herself and her sons out of Iran, and join them in the US.

Their mother is a pistol. She is brave in the face of obstacles that would deter most of us. She never gives up. I am in total awe of her commitment to the survival – and thriving – of her family.

I love this book for two reasons – the first being the strength and courage of this family, and the second being that they immigrated to America. You will hear a lot of Americans who say terrible things about immigrants, and how they take up scarce resources better meant for “real” Americans. Who are they kidding? We are ALL immigrants, in America, except for the Native Americans! This family, their will to succeed, is the story of us all, and what makes the country great. It is still a country where you can work hard, and succeed, and thrive. It’s an every day story in our country, but a story I never get tired of hearing.

Here are some excerpts from the book:

She looked at me as if I were an alien, which in fact I was. “Yes,” she said, “You get a library card and you can borrow as many books as you want.”

“And it doesn’t cost a thing?” I asked.

“Not a penny,” the woman said. “Unless you bring the books back late. Then we charge you a late fee.”

This was news to me. There were libraries in Tehran to be sure, but we had never frequented them. Mom would come home every two or three weeks with armsful of new books, and we would devour them hungrily. We were much too spoiled to share books with anyone.

The librarian processed my card on the spot. I couldn’t believe it. It felt like the biggest gift of my life. . . . . By the end of the summer I discovered a whole new world. Books. Words. Stories. I got in touch with my inner geek. Reading was not only exciting, it offered escape. When I was reading, my other life didn’t exist. There were days when I didn’t even think of Mom.

Her Mother was still in Iran at this time, and she and her sister are living with relatives who have loud arguments wondering how much longer they will be burdened with these girls. Finally, the two sisters find jobs, as well as going to school, and save every penny, and get an apartment where they live while putting themselves through university. And, one day, their mother and brothers arrive. Life changes. They all live together again.

“It’s almost Norouz,” she said. “Or have you forgotten?”

I had indeed forgotten. She was referring to the Persian New Year, which on the Gregorian calendar falls in late March. About two weeks before the start of Norouz, many Persians take part in something called ‘khane tekani,’ which literally means ‘shaking your house.’ You will see people painting their homes, washing their carpets, sweeping out their attics, cleaning their yards. One could say that it is a form of spring cleaning, but that is only a very small part of it. In Persian ‘no’ means new, and ‘rouz’ means day. The last Wednesday of the year is known as ‘chahar shanbeh suri.’ At dusk, with the cleaning over, people light small bonfires and sing traditional songs, and those who can manage it are urged to jump over flames. Fire, too, is seen as a cleansing, purifying agent: it burns away all the negative things in one’s life – the bad habits, the misfortune, the sorrows. It’s all about cleanliness: clean house, clean soul, new beginnings.

On the “new day” itself, people focus on family and friends, and for the next two weeks there will be much visiting back and forth. In each house, one finds a ‘sofreh eid,’ . . . Laid out on this garment, one will find the ‘Haft Seen’ (Seven S’s) comprised of seven items that begin with the letter S. These are ‘sabzeh’ or sprouts (representing rebirth); samanu, a pudding (for sweetness in life); ‘senjed,’ the sweet, dry fruit of the lotus tree (representing love); ‘serkeh’ or vinegar (for patience); ‘seer’ or garlic (for its medicinal qualities); ‘somaq’ or sumak berries (for the color of sunrise); and ‘seeb’ or red apples (symbols of health and beauty. In addition there are candles laid out on the ‘sofreh eid” one for each member of the household. The lit candles represent the goodness and warmth that enter life with the coming of spring.

(For the first time, this year we are invited to a new year’s celebration, and I thank God that I read this book just at the right time, so I will know even just a little of what this is all about. I am excited to see the ‘haft seen.’ )

Something else happened that November that I will never forget: Our family celebrated Thanksgiving for the first time. We loved the whole idea behind the celebration. It wasn’t about religion, and it wasn’t about gifts; it was about people sitting down to enjoy a meal together and acknowledging everything that they had to be thankful for. And we had a lot to be thankful for.

By the end of the book, all four children have graduated from university with professional degrees. This isn’t a spoiler. The book is about the sacrifice, the hard work and the commitment it took to get them there. Even After All This Time is an inspirational book, a book you won’t soon forget, and a book you will want to share with your friends.

Amazon offers it used from $4.67 and in hardcover around $25.

And Happy New Year to my Persian friends.

March 18, 2007 Posted by | Biography, Books, Cooking, Cross Cultural, ExPat Life, Family Issues, Financial Issues, Generational, Holiday, Iran, Living Conditions, Political Issues, Relationships, Social Issues, Spiritual, Thanksgiving, Uncategorized | 7 Comments

Internet Phone Blockage

So far, my internet phone is still working. But I can no longer pick up messages; I had a work-around and the work-around is now blocked, too. I still have the connection, but I can’t connect with my internet phone service provider. Hmmmmm.

In Qatar, the problem was solved in less than a week, when ambassadors went to the Emir and protested that the ban on internet phones hurt the entire population. Does the government here understand that Kuwaitis have kids at school in the UK, the US, and are relying on these phone services, too?

My sense is that with the government currently in chaos, no one has the time to focus on this “small” problem. Nor the problem of increasing population and buildings vs. limited infrastructure – roads. water. electricity.

My Kuwaiti friends say that even 20 short years ago, Kuwait was paradise. I believe it, there is so much beauty here, so much natural richness. They say Kuwait was more free twenty years ago.

I know my focus on the internet phone service is selfish; there are bigger problems to be solved. Right now – it’s the one that affects ME!

March 17, 2007 Posted by | Bureaucracy, Communication, Cross Cultural, Customer Service, ExPat Life, Family Issues, Financial Issues, Living Conditions, Political Issues, Random Musings, Rants, Social Issues, Technical Issue | Leave a comment

Record foreclosures hit mortgage lenders

This story is from USA Today and is related to an earlier blog entry on spiraling mortgage foreclosures. The reason it caught my eye is that no-where in the article does it mention that the top two states where foreclosures occurred are Mississippi and Louisiana, the two states most recently hit – and hit hard – by hurricanes. And the reason people are failing to continue mortgage payments are that in some cases, the houses no longer exist and either they had no insurance, or the insurance company found a way NOT to pay up.

This is a big story – the record foreclosures – and evidence how in every society, when borrowing money becomes too easy, people get hurt.

It is an equally big story when the insurance companies don’t pay up. I have been told by the company insuring my Florida house that they will probably not continue insuring me. It is hard to find a company who will insure your house against hurricane damage in Florida.

By Noelle Knox, USA TODAY
The reason many mortgage lenders are in trouble became alarmingly clear Tuesday. The Mortgage Bankers Association said more than 2.1 million Americans with a home loan missed at least one payment at the end of last year — and the rate of new foreclosures hit a record.

The problem is most severe for borrowers with scuffed credit and adjustable-rate mortgages. More than 14% of them were behind on their payments. And the worst is yet to come, the MBA said. At least $300 billion in subprime ARMs will reset this year to higher interest rates. Those borrowers face higher payments and a harder time refinancing.

Blindsided by the number of loans that have already gone bad, more than two dozen lenders have gone out of business or been purchased. New Century Financial, the nation’s second-largest subprime lender, has quit making loans and is edging toward bankruptcy protection.

“There’s been a stunning erosion of mortgage quality,” said Mark Zandi, chief economist at Moody’s Economy.com. “It’s primarily in the subprime market, but the entire market is weakening … and that adds to problems in the housing market, and by extension the broader economy.” Retailers are already feeling the effect, he said, because homeowners tend to spend less when they fear their homes are worth less.

To stem their losses, lenders are ending 100% financing plans, requiring better credit scores and demanding more proof of a borrower’s income. The stricter rules are squeezing first-time buyers, as well as homeowners who want to refinance.

To read the rest of the story, and to see a state-by-state list of mortgage foreclosures, Click USA Today, here.

March 15, 2007 Posted by | Bureaucracy, Crime, Cross Cultural, Customer Service, ExPat Life, Family Issues, Financial Issues, Florida, Lies, Living Conditions, News, Political Issues, Social Issues, Uncategorized, Weather | 7 Comments