
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.
Which gadget is most useful or influential? Browse the nominees and cast your vote.
Your genome used to be a closed book. Now a simple, affordable test can shed new light on everything from your intelligence to your biggest health risks. Say hello to your dna if you dare
Run, ride, swim, and sing through some of TIME Magazine's best inventions of the year
Gear up with these gizmos for the home, office, playroom, and pocket. Batteries not included
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