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TIME's Best Inventions of 2008
From a genetic testing service to an invisibility cloak to an ingenious public bike system to the world's first moving skyscraper here are TIME's picks for the top innovations of 2008
45. The Short Refinance
This new term describes a rare but growing option for homeowners struggling to make payments on a house now worth less than when they bought it: another new lender agrees to rewrite the loan tied to a fresh appraisal. The tricky part is getting the current mortgage company to take less than what it's owed but given banks' woes, it's more likely than it once was.
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