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...Because the formula for determining credit scores, which banks use to decide whether to give you a mortgage or any other loan, looks at something called your "utilization ratio," the total amount of credit you use vs. the amount you have available. If you have $25,000 worth of available credit and you put $5,000 on your cards every month, your utilization ratio is a healthy, hey-I'm-living-within-my-means 20%. But cut down that credit line to $10,000 and suddenly your ratio jumps to 50%, making you look pretty overextended...
They come on sunny days, when the sky is bright and clear above the Tojinbo cliffs along the coast of the Sea of Japan. Yukio Shige says they don't look at the view. "They don't carry a camera or souvenir gifts," he says. "They don't have anything. They hang their heads and stare at the ground...
...framework for the oil and gas industry, the foreign investment that Iraq desperately needs will not arrive, though the senior U.S. embassy official remains optimistic. Iraq is not as dangerous as it once was. "The security environment," says this official, "is at a point where [investors] can start to look at other issues that determine whether they'll come...
...into the disturbing logic of Kim Jong Il and why the possible succession of his young son is shaping North Korean politics. London bureau chief Catherine Mayer dissects the rebellion against Gordon Brown and the future of the Labour Party. Contributor David Van Biema takes an in-depth look at the Mormon Church, the fourth largest in America, and its current high-profile involvement in politics, while our business columnist Justin Fox explains why financial markets don't necessarily know best, a piece based on his new book, The Myth of the Rational Market...
TIME's annual health issue takes a close look at the prevention philosophy at work--and we focus on the Cleveland Clinic. Its prevention strategy, as staff writer Alice Park explains, is not just for the patients but for its employees as well. The 40,000 people who work at the clinic and its 10 affiliated hospitals are offered diet and cooking classes, exercise instruction and smoking-cessation programs, all free of charge. This results not only in healthier employees but also in lower health-care costs and fewer days lost to sickness. What works for the Cleveland Clinic could...