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READER QUESTION
I want to refinance our first mortgage, but the second mortgage holder won't subordinate. What can we do?
Read full question
We found a company that will refinance our first, but the second lien holder will not subordinate without a full appraisal. We have already paid them $150 and they won't return it even though they didn't do the subordination. What department within the second mortgage company would we write to request a loan rate reduction? If they refuse to reduce the interest rate, what other recourse would we have? Can we offer a settlement of 10 cents on the dollar? I noticed several other people in your comments have been able to do this. We live in Colorado.
Bills.com Resident Expert
Dec 12, 2011
BILL'S ANSWER
As part of its efforts to stimulate the US economy, the Federal Reserve has lowered interest rates to record low levels in 2008 and 2009, which in part has allowed banks to offer some attractive rates to homeowners wishing to take out a new mortgage or refinance an existing loan.
Refinancing when the loan balances exceed the property value
Although many current homeowners would like to refinance their home loans to take advantage of the low interest rates, the downturn in property values has resulted in many owing second mortgages or home equity loans that push their total current financing perilously close to, if not over, the actual values of their homes. In this situation, a refinance lender is unlikely to loan the homeowner enough money to combine the first and second mortgages into a single obligation, as the lender does not want to extend a loan that exceeds the value of the property securing debt.
The refi lender may be willing to refinance the first mortgage, but only if the lender holding the second mortgage or home equity loan is willing to give the refi lender's encumbrance on the property seniority over the second mortgage.
Allow me to travel on a momentary tangent regarding legal terminology. In Colorado, California, Texas and 18 other states the "mortgage" is actually a "deed of trust." Legally, the two are different, but a comparison of the two exceeds the scope of this discussion. Although it is inaccurate technically to call a Colorado home loan a mortgage, we will continue to refer to the first and second loan on the property here a mortgage because that is expected and understood by our non-property lawyer readers.
Subordination
Getting back to the subordination issue, without such an agreement, the second mortgage, as the older debt, would become the senior encumbrance on the property once the refi lender pays off the first mortgage as part of the refinance.
Unfortunately, unless you have a significant equity cushion, the bank holding your second mortgage loan is likely to refuse to agree to subordinate its encumbrance, especially if you are planning to "cash out" any of your equity by borrowing more from the refi lender than you currently owe on the first mortgage.
The secondary lender's position is already relatively weak in terms of its ability to enforce its security interest in the home, since it would be required to either pay off or otherwise receive the first mortgage lender's consent to proceed with foreclosure. Given its already tenuous ability to force repayment, the secondary lender is unlikely to agree to subordination to a "cash out" refi loan, which would eat up the small amount of equity to which it may be able to lay claim in case of default.
On the other hand, if you can show the second mortgage holder that the refi loan will actually reduce the risk of default on your home loans by reducing your total mortgage payments each month, you may find the secondary lender more willing to cooperate with you and the bank providing the refinance loan.
Consult with the agent handling your potential refinance loan, as well as any other mortgage professionals you know, to discuss the best way to present your plan to the second mortgage lender. The key is making the lender believe that the refinance loan and required subordination will ultimately serve its interests.
Appraisal by second mortgage company
In your question, you state that your second mortgage company has requested a full appraisal of your property before it will consider agreeing to subjugate its encumbrance to that of the company through which you are trying to refinance your first mortgage.
First, you should understand that demanding a complete appraisal of the home's value is not unusual. The second mortgage company wants to determine how much equity you currently have in the property (the more equity, the more likely junior encumbrances will be paid in case of foreclosure), and how the proposed refinance loan will affect this equity cushion. It will also want to determine if you are "upside-down" on the property (you owe more that the home is worth), as being in this position significantly increases the possibility that you will default on one or all of your mortgage obligations.
Here, it sounds like the lender has refused to subordinate, and refused to refund the appraisal fee paid. Unfortunately, I do not think that you have much recourse in this regard, as appraisal fees are usually non-refundable.
However, if you think that you were mislead by the lender, you may want to contact the Colorado Dept. of Real Estate and the Colorado Attorney General's Office to file complaints against the lender. While these agencies cannot guarantee you a favorable outcome, they are often successful in mediating disputes between consumers and businesses.
Loan modification
You are correct in pointing out that a Bills.com reader reported that a second mortgage holder made a lump-sum settlement with a homeowner for 10 cents on the dollar. Keep in mind that there are dozens of companies making second mortgage loans, and hundreds of thousands of second mortgages under contract. Your lender may not offer such attractive settlement terms.
As for what department at the second mortgage company you need to contact to discuss the possible modification of your loan terms (payment amount, interest rate, loan term, etc.), you should probably start by contacting the general customer service department. They may help you directly, but a good CS agent should be able to point you to the correct department (probably named something like "loss mitigation," though this will depend on your specific lender).
To read more about refinance loans, I invite you to visit the Bills.com home refinance page. I wish you the best of luck in your efforts to refinance your current mortgage loans, and hope that the information I have provided helps you Find. Learn. Save.
Best,
Bill
www.bills.com
Comments (2)
Sandor B.
Rockville, MD  |
November 04, 2011
I have run into the situation whereby my Home Equity Lender will not re-subordinate and accomodate my refinance.
In this case my refinance will be a lower loan amount, a lower monthly payment and will convert an interest only loan to an amortizing loan.
I have also expressed the ability to slightly reduce my Home Equity Line.
The appraised value of the combined loans will be 80% and the original home equity loan was made at 86%.
Have you heard of anything so absurd?
Do you know of anyone attorney's taking on law suits in this instance.
Obvious damages would be lost equity of the term and the lossed opportunity to reduce monthly payments.
(0)
Bills.com
November 04, 2011
By all means, consult with a lawyer who has real property experience.
(0)
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The CBS Local Ad Network already has received support from major advertisers, including AT&T (partnering with cbs2chicago.com and cbs2.com/kcal9.com), North Texas Honda Dealers (partnering with cbs11tv.com) and Liberty Mutual Insurance (partnering with wbztv.com in Boston).
“The CBS Local Ad Network again positions our stations at the forefront of an unprecedented locally focused venture," said Jonathan Leess, President and General Manager, CBS Television Stations Digital Media Group.  “After first setting the standard for local news coverage online, our stations now lead the effort to engage other local sites – and we invite them to share in the revenue. The CBS Local Ad Network also opens up exciting new avenues for our advertising partners to efficiently extend their reach to valued local audiences while associating themselves with our CBS brands and content."
The CBS Local Ad Network has already been launched in Boston (wbztv.com), Dallas/Fort Worth (cbs11tv.com), San Francisco (cbs5.com), Denver (cbs4denver.com) and Chicago (cbs2chicago.com).  The roll out will continue over the next several weeks and also include the CBS-owned stations in New York (wcbstv.com), Los Angeles (cbs2.com and kcal9.com), Philadelphia (cbs3.com), Minneapolis-St. Paul (wcco.com), Miami (cbs4.com), Sacramento (cbs13.com), Pittsburgh (kdka.com) and Baltimore (wjz.com).
About CBS Television Stations
CBS Television Stations (cbslocal.com), a division of CBS Corporation (NYSE: CBS.A and CBS), includes 29 stations, including 16 CBS stations, nine affiliates of The CW, one MyNetworkTV


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Domestic Violence Resources
National Hotlines &
Resources | State Hotlines | Fact Sheet | DOJ Violence Against Women Site
Domestic Violence Facts
Domestic violence is both a national and a worldwide crisis.
According to a 2000 UNICEF study, 20-50% of the female
population of the world will become the victims of domestic
violence.1
Within the United States, 22.1% of
women will experience violence by an intimate partner sometime
during her lifetime. According to the National Violence Against Women Survey, 17.6% of women will be raped
during her lifetime.4
"A Crime Against Women"
Although men are more likely to be victims of violent
crime overall, a recent study by the U.S. Department of
Justice reports that "intimate partner violence is primarily
a crime against women."2
Of those victimized by an intimate partner, 85% are women
and 15% are men.2 In other words, women are 5 to 8 times
more likely than men to be victimized by an intimate
partner.3
The vast majority of domestic assaults are committed by
men. Even when men are victimized, 10% are assaulted by
another man. In contrast, only 2% of women who are victimized
are assaulted by another woman.2
Vulnerability Factors
Women age 16 to 24 are most likely to be victimized by
an intimate partner.2
African-American women experience more domestic
violence than White women in the age group of 20-24. However,
Black and White women experience the same level of
victimization in all other age categories.2
Hispanic women are less likely to be victimized
than non-Hispanic women in every age group.2
Women are most vulnerable to violence when separated from their intimate partner. The second most vulnerable
group are those who are divorced.2 This can discourage women from leaving their abusive partner,
out of fear that it will increase their risk of victimization.
Physical Injury
Approximately 40-50% of female victims are physically
injured when assaulted by their intimate partner,2,
4 accounting for over 200,000 visits to the hospital
emergency room each year.5
Only about 1 in 5 of domestic violence victims with
physical injuries seek professional medical treatment.3
Murder
Women are far more likely than men to be murdered by an
intimate partner. Of those murdered by their intimate partner,
74% are women and 26% are men.2 In
other words, nearly 3 out of 4 of the murders committed
by intimate partners have a female victim.
The FBI reports that between 1976 and 1996, domestic violence
claims the lives of more than four women each day.3
Between 1976 and 1996, there was a "sharp decrease" in
the number of men murdered by intimate partners, whereas
the number of women murdered by an intimate partner remained
constant.3 Some have attributed this
to the increasing availability of shelters which provide
battered women with options other than killing an abusive
partner. It is possible that some women who might have otherwise
killed their abuser are able to leave and go to a shelter.
Under-reporting of
Domestic Violence to Police
Only about half of domestic violence incidents are reported
to police. African-American women are more likely than others
to report their victimization to police.3
The most common reasons for not reporting domestic violence
to police are that victims view the incident as a personal
or private matter, they fear retaliation from their abuser,
and they do not believe that police will do anything about
the incident.3
Even with this dramatic under-reporting, domestic violence
calls constitute approximately half of all violent crime
calls to police departments. For example, 49% of the violent
crime calls received by the DC Metropolitan Police Department
in 2000 were for domestic violence incidents.6
Police Response Frequently
Inadequate
Skepticism regarding the quality of police response is
grounded in reality. A recent study by the D.C. Metropolitan
Police Department concluded that there was a "clear and
pervasive pattern" of departures from departmental policy.6
For example, in only one-third of the domestic
violence calls did an officer take photographs or ask about
prior abuse.6
Only 17% of the victims were asked about a restraining
order, and 83% were provided no printed information with contact information or resources.6
The Myth of "Mutuality"
Although many studies report that men and women use physical
violence at equal rates within intimate relationships,7,
8 this fails to take into account the nature of the
violence and the level of fear and injury experienced by
each party.
Several studies document that women experience higher
levels of fear than men do in domestic violence situations.9,
10, 11, 12, 13 This is perhaps because women in domestic
violence situations are much more likely to be injured --
and injured severely -- than men are.8,
12, 13, 14, 15, 16, 17
Recent years have seen an increase in the number of women
arrested for domestic violence. For example, the percentage
of women arrested for domestic violence increased in Concord,
New Hampshire from 23% in 1993 to 35% in 1999. Vermont saw
a similar increase from 16% in 1997 to 23% in 1999.18
Some have attributed this to the increase in "mandatory
arrest" policies, in which police are required to make an
arrest if there is probable cause that a person has committed
domestic violence. Passage of these laws was advocated by
feminists and domestic violence experts to address the inadequate
response to domestic violence victims by law enforcement.
When officers arrive at the scene of a domestic violence
crime, they often cite evidence that both partners have
engaged in some aggressive behavior, and arrest both the
man and the woman. This "dual arrest" strategy fails to
take into account which of two people is primarily responsible
for the aggression and which one is responding out of self-defense,
and can have devastating effects, particularly if there
are children involved in the relationship.
To counteract this problem, some departmental or statewide
policies now provide guidelines for an officer to determine
who is the "primary aggressor" in a violent incident. For
example, the California Commission on Peace Officer Standards
and Training publishes a guidebook for officers responding
to domestic violence, discouraging "dual arrests" and outlining
several factors to consider when determining who is the
primary aggressor in a domestic violence situation. The
primary aggressor is defined as "the person determined to
be the most significant, rather than the first, aggressor."
Factors to consider include the history of domestic violence
between the people involved, the threats and fear level
of each person, and whether either person acted in self
defense. These are appropriate considerations when determining
who is the primary aggressor, and therefore which of the
two parties should be arrested.20
Police Training Resources
For more information or to identify expert law enforcement
trainers in the area of domestic violence, please contact
the National Center for Women & Policing. We at the National
Center have compiled a list of law enforcement trainers that
we recommend, based on a review of training materials gathered
from around the country. This review was conducted with funding
provided by a grant from the Violence Against Women Office
of the US Department of Justice.
Statistics and information compiled by FMF's National
Center for Women and Policing
Footnotes
1 Sushma Kapoor (June, 2000). Domestic
Violence Against Women and Girls. UNICEF:
Innocenti Research Centre.
2 Callie Marie Rennison (2001). Intimate
Partner Violence and Age of Victim, 1993-1999. Bureau
of Justice Statistics Special Report. Washington DC: US Department of Justice. NCJ #187635. Estimates are provided
from the National Crime Victimization Survey, which defines
an intimate partner as a current or former spouse, girlfriend,
or boyfriend. Violent acts include murder, rape, sexual assault,
robbery, aggravated assault, and simple assault.
3 Lawrence A. Greenfeld et al. (1998). Violence
by Intimates: Analysis of Data on Crimes by Current or Former
Spouses, Boyfriends, and Girlfriends. Bureau of Justice
Statistics Factbook. Washington DC: US Department of Justice.
NCJ #167237. Available from National
Criminal Justice Reference Service.
4 Patricia Tjaden & Nancy Thoennes (1999). Prevalence, Incidence,
and Consequences of Violence Against Women: Findings from
the National Violence Against Women Survey. National Institute
of Justice and Centers for Disease Control, Washington, DC
(NIJ Grant #93-IJ-CX-0012). Available from the US Department of Justice's Violence Against Women Office.
5 Michael R. Rand & Kevin Strom (1997). Violence-Related
Injuries Treated in Hospital Emergency Room Departments.
Bureau of Justice Statistics Special Report. Washington DC:
US Department of Justice. NCJ #156921. Available from National
Criminal Justice Reference Service.
6 Michael Cassidy, Caroline G. Nicholl, & Carmen R. Ross
(2001). Results of a Survey Conducted by the Metropolitan
Police Department of Victims who Reported Violence Against Women. Available from the DC Metropolitan Police Department
(202-727-5029).
7 M.A. Straus (1999). The controversy over domestic violence
by women: A methodological, theoretical, and sociology of
science analysis. In X.B. Arriaga & S. Oskamp Eds.), Violence
in Intimate Relationships (p.17-44). Thousand Oaks, CA: Sage.
8 J. Archer (2000). Sex differences in aggression between
heterosexual partners: A meta-analytic review. Psychological Bulletin, Vol. 126, p.651-680.
9 O.W. Barnett, C.Y. Lee & R.E. Thelen (1997). Gender differences
in attributions of self-defense and control in interpartner
aggression. Violence Against Women, Vol. 3., p. 462-481.
10 E.B. Foa, M. Cascardi, L.A. Zoellner & NC Feeny (2000).
Psychological and environmental factors associated with partner
violence. Trauma, Violence & Abuse, Vol. 1, p. 67-91.
11 N.S. Jacobson et al. (1994). Affect, verbal content, and
psychophysiology in the arguments of couples with a violent
husband. Journal of Consulting and Clinical Psychology, Vol.
62, p. 982-988.
12 J. Langhinrichsen-Rohling, P. Nedig & G. Thorn (1995).
Violent marriages: ender differences in levels of current
violence and past abuse. Journal of Family Violence, Vol.
10, p. 159-176.
13 B.J. Morse (1995). Beyond the conflict tactics scale:
Assessing gender differences in partner violence. Violence
and Victims, Vol. 10, p. 251-272.
14 LD Brush (1990). Violence acts and injurious outcomes
in married couples: Methodological issues in the national
survey of families and households. Gender and Society, Vol.
4, p. 56-67.
15 J.M. Makepeace (1986). Gender differences in courtship
violence. Family Relations, Vol. 35, p. 383-388.
16 S.B. Sorenson, D.M. Upchurch & H. Shen (1996). Violence
and injury in marital arguments: Risk patterns of gender differences.
American Journal of Public Health, Vol. 86, p. 35-40.
17 C. Zlotnick, R. Kohn, J. Peterson & T. Pearlstein (1998).
Partner physical victimization in a national sample of American
families. Journal of Interpersonal Violence, Vol. 13, p. 156-166.
18 C. Goldberg (1999, November 23). Spouse abuse crackdown,
surprisingly, nets many women. The New York Times


Liquor Advertising: Now accepted at Radio Station
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Liquor Advertising: Now accepted at Radio Station
KrishNov 3 2005
New York Times reports a satellite radio station; Sirius Satellite Radio will broadcast liquor advertising. There are some big names that are not part of this annual $80-$90 million alcohol advertising budget, like ABC, CBS, Fox, WB, NBC and UPN.alcoholBarring these few it seems everybody want to have a share of the pieThis is not very astonishing that some groups always raise voice against liquor or alcohol advertising. And it has been creating a huge amount of controversy due to its alcohol related disease or life style syndrome.Remember, Becardi ad which so implicitly shown its wild partying images that an instant nationwide survey revealed high risk of illicit sexual behavior.On the other way the brains behind the campaign are happy and optimistic and believe that the unbranded and fresh music (HIP HOP, Get your ice on) will be able to deliver in not so uncluttered scenario.
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Elgin City Football Club - Home
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Irn-Bru bus at Borough Briggs
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At 28/02/2012
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32
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22
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Irn-Bru bus at Borough Briggs
Written by William McKenzie
Thursday, 01 March 2012 19:29
GET your tinnies oot...the girder bus is on its way!
Further to our article about 'Cans for Youth Teams' (see below), it has been announced the Irn-Bru bus will be at Borough Briggs on Saturday for City's important clash against Queen's Park.
The 'drink it, crush it, score it' scheme - a £70,000 initiative between the Scottish Football League and their sponsors Irn-Bru - will see clubs pick up a share of the pot.
The more cans the fans of a club collect, the bigger the share it will receive.
Sub Baz rescues point
Written by William McKenzie
Tuesday, 28 February 2012 22:38
A LAST-GASP equaliser from substitute Barry Wilson stretched City's unbeaten Irn-Bru Third Division run to six games.
Borough Briggs bogy side Clyde came within a minute of derailing the Black and Whites' charge towards the play-offs by taking the lead against the run of play before the break.
But dogged City again dug deep and Wilson, on the park for less than five minutes, fired home a deserved leveller.
Manager Ross Jack named the same side which started the 3-2 win at Montrose but, despite dictating the early play, it was the visitors who took the lead shortly before the break.
City now entertain an on-song Queen's Park outfit which took over second place with a 1-0 win at Montrose.
Last Updated on Thursday, 01 March 2012 10:21
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Cans for Youth Teams initiative
Written by Jason Bochel
Wednesday, 22 February 2012 21:59
SCOTTISH FOOTBALL SCORES AS IRN-BRU PLEDGES £70,000 TO YOUTH DEVELOPMENT
- Fans urged to 'drink it, crush it, score it' in launch of SFL Cans for Youth Teams initiative -
Football fans and communities across Scotland are being urged to pitch in and do their bit to score a share of cash for their local youth team as IRN-BRU and the Scottish Football League today (Tuesday 21st February) unveiled a £70,000 investment to help fund the future development of Scottish football.
Last Updated on Wednesday, 22 February 2012 22:28
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Top Gunn secures the points
Written by Louise Shaw
Saturday, 25 February 2012 17:17
CITY stretched their impressive winning run to four games as Craig Gunn grabbed a hat-trick to seal a hard-earned 3-2 victory at Montrose.
The Gable Endies made City battle for the spoils on the artificial Links Park surface, but Gunn took his tally for the season to 18 to secure the points.
Despite a worrying array of niggling injuries to several players, manager Ross Jack was forced into just one change to the line-ups which started against Alloa and Clyde.
Mark Durnan, who came off the bench to notch the clincher against the Bully Wee in midweek, retained his place and the buoyant Black and Whites got the boost of another early goal.
But the Angus side twice bounced back with equalisers before Gunn did the trick with the deciding goal in 70 minutes.
The win takes City into fourth spot in the Irn-Bru Third Division table ahead of a run of four straight - and possibly crucial - home games, starting with the visit of Clyde on Tuesday.
Last Updated on Sunday, 26 February 2012 23:43
Read more...
City hit back to end away blues
Written by William McKenzie
Tuesday, 21 February 2012 22:58
CITY racked up a third straight Irn-Bru Third Division win as they bounced back from a goal down to notch a superb success against Clyde,
The delayed start at Broadwood due to the late arrival of the bus carrying City's north contingent saw the Black and Whites trailing 1-0 at the interval.
But Ross Jack's side, showing no changes to the starting 11 which helped City to a resounding 3-0 win over league-leaders Alloa on Saturday despite injury and illness doubts, replied with second half counters from Daniel Moore and substitute Mark Durnan.
The three points, only City's second full haul on the road this season, takes them within two points of fourth place Annan and three of third Queen's Park


Thai Airways to increase Mum-BKK flights to 14 per week by April 2011 - Express TravelWorld
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Thai Airways to increase Mum-BKK flights to 14 per week by April 2011
To launch Mumbai-Phuket flight by October 2011
GAYATRI VINAYAK - Mumbai
Thai Airways is looking to increase its Mumbai-Bangkok flights to 14 per week
by April 2011. It recently added three new flights from Mumbai taking the current
number of weekly flights from Mumbai to Bangkok to a total of 10. Plans are
also on in the future to link Mumbai directly to Phuket and Thai Airways is
looking to launch a direct connection by around October 2011. Currently operating
a total of 56 flights from India, Thai Airways flies out of Mumbai, Delhi, Chennai,
Hyderabad, Bengaluru and Kolkata. It operates to Bodh Gaya and Varanasi in its
winter schedule and the number of flights were increased to daily, this winter
from four times a week, due to an increased demand.
Speaking about the airlines' future plans, Chris Chantalitanon, director- BKKSYTG
Central, South, Southeast Asia and Australasia, Thai Airways, said, "We
might look at adding two more destinations  Amritsar and Ahmedabad in
our route in the next few years. We first need to consolidate our position here.
We are looking at making all points that we service now into daily and those
that are daily to become double daily. We are looking at 14 flights out of Mumbai
by April 2011 and daily flights from Hyderabad by summer next year," he
said. According to him, a large number of Indian travellers transit through
Bangkok to cities in Thailand such as Chiangmai, Phuket and Krabi with leisure,
FITs and weddings as major segments. The airline receives its maximum business
in india from the cities of Mumbai and Delhi.
The airline is celebrating 50 years of service this year. As part of its expansion
plans, Thai Airways is also awaiting the delivery of 26 new aircrafts next year
which will will include Airbus A330-300s and Airbus A380-800 with the first
Airbus A380 expected to be delivered by around the last quarter of 2012. The
airline is currently in talks with domestic carriers Kingfisher, Jet Airways
and SpiceJet for code share. Chantalitanon added that with the cargo business
increasing, the airline is planning to conver a few Boeing


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Mizrachi the provisional leader after WPT Championship day two
2008-04-22 14:12:21
Robert Mizrachi is the unofficial chip leader at the World Poker Tour (WPT) Championship event in Las Vegas.The exact chip counts have yet to be correlated, but it is thought that he is currently in the number one position with 523,200.Bryan Devonshire is likely second with 393,400, followed by Cory Carroll (384,700), John Celili (377,000) and last year's winner Carlos Mortensen (371,600).The field was cut down to 200 players during day two, which saw perhaps the greatest number of stars eliminated in tournament history.Freddy Deeb, Erick Lindgren and Antonio Esfandiari all got the chop, as did David Pham, Phil Hellmuth and Joe Hachem.Approximately a dozen more major titlists were also knocked out, with many more surviving, including Phil Ivey, Marcel Luske, Gus Hansen and Dave Ulliott.According to Card Player, "day two of the 2008 WPT Championship featured the most impressive field, pound-for-pound, that an open buy-in no-limit hold'em poker tournament has ever seen".
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Fighting AIDS / Dossiers
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Fighting AIDS
Fighting AIDS
01.12.2010 |
Author(s): Euranet | 0 |
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The number of patients decreased for the first time since 1999, but AIDS is far from being exterminated.
The red ribbon: A symbol for the fight against AIDS.
©Niki K. / wikimedia.commons
Last week Pope Benedict XVI accepted the use of condoms in some cases to prevent the spread of sexually transmitted diseases like AIDS. According to UNAIDS 2009 report, around 60 million people have been infected worldwide, with some 25 million deaths. In the week that marks World AIDS Day, Euranet examines social, cultural and religious questions and finds out how Europe protects itself and deals with the most democratic disease of the 20th and 21st century.
Aids - the desease of the 20th century...
How is Aids being tackled in Rumania and accross Europe? By Steliu Lambru (in French).
6:05
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A safe shooting room in Madrid: a hand stretched out at drug addicts
In Madrid, as in the other European cities, a shooting room welcomes drug addicts in safe sanitary conditions. It aims at limiting the risks of HIV infection.
04:17
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Nan Goldin photographs her friends who died of AIDS
The Berlinische Galerie in Berlin, Germany exposes the work of american photographer Nan Goldin. A poignant tribute to her friends who died of AIDS. (In French).
01:58
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The fight against AIDS
Since 1981 when the first cases of AIDS were detected, 60 million people have been infected and over 20 million people have died of the disease.
5:23
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An enemy not to underestimate
AIDS, the XX-th century disease, remains in the coming years a challenge for the medical research.
6:46
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HIV still a threat
We bring an interview with Martin Bandžák, the founder of Magna Děti v tísni / Children in need. (In Czech and Slovak)
23:26
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HIV:
NGOs running campaigns in Bulgaria
AIDS was mentioned in Bulgaria some 25 years ago. Today statistics reports a number of a bit over 1200 HIV-positive patients. However, NGOs are running campaigns.
3:50
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Young gay men fueling rise in HIV rates
Since 1981 when it was detected the first case of AIDS in Spain, the disease has affected more than 80,000 people, and in fact Spain has become one of European countries where the epidemic is more prevalent. HIV Platform Spain invites to continue taking precautions to prevent the spread of this disease in 2009, according to the latest update of the Registry of Epidemiological Surveillance of HIV in Spain, killed 2,264 people.
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Slovenia has many ''hidden'' infections
Compared to other European countries, Slovenia has a considerably low number of people who are infected with HIV. The most cases can be found among MSM groups.
3:54
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HIV: a virus travelling throughout Europe
Prevention and awareness: Andrea De Luca analyses the situation nowadays and speaks about the migration of Hiv virus throughout Europe...
06:37
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Fighting AIDS
HIV still a threat
An enemy not to underestimate
The fight against AIDS
Nan Goldin photographs her friends who died of AIDS
A safe shooting room in Madrid: a hand stretched out at drug addicts
HIV: a virus travelling throughout Europe
NGOs running campaigns in Bulgaria
Young gay men fueling rise in HIV rates
Aids - the desease of the 20th century...
Slovenia has many ''hidden'' infections
Pension reforms in Europe
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Nuclear energy in Europe
Europe's economic weakest links
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