Feeling glum about the shorter days? So is Business Week. They put out this "Map of Misery". It took some digging to figure out exactly what they're showing here but it's basically the percentage of people who are getting new or refinanced loans that allow the option to make lower payments in return for getting hammered with future interest debt. This phenomenon seems to be prevalent in the expensive and desirable communities such as Santa Barbara, Boca Raton and of course, Jersey City.
3 years ago