You can avoid paying PMIby providing a down payment of more than 20% when you take out a mortgage. Mortgages with down payments of less than 20% will require PMI until you build up a loan-to-value ratio of at least 80%. You can also avoid paying PMI by using two mortgages, or a ...
whereas the death spiral is systemic. It is the result of organizational dysfunction where groups of people march toward deadline after deadline without reflecting on or questioning if there is a better way to deliver software. Even though the organization is “busy” doing stuff, they are ...