Mark Zandi

Potential home buyers have a two-step decision process. First, they determine whether they can afford to make a purchase - does their income safely cover their mortgage payment? Then they determine whether owning is a better financial choice than renting - are the costs of owning a home lower than the cost of renting it?

I have been trying to find out exactly when listeners and performers decided that applause between movements would not be allowed, but nobody seems to have been willing to admit that they were the culprit.