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...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...

Author: /time Magazine | Title: Could Your Credit Be Too Good? | 6/22/2009 | See Source »

...preadolescent derring-do as a surfer and skier that are unimaginable by today's nurturing parental standards. It may have been his familiarity with physical danger, and his calmness in the face of it, that saved Ollestad on Ontario Peak. It helped him manage the psychic aftermath too, to put a frame around it. To the Ollestads, life was "raw and wild and wonderfully unpredictable." To be paralyzed by fear of it, by the inevitability of pain and loss, would be the real tragedy...

Author: /time Magazine | Title: Crash Course | 6/22/2009 | See Source »

...long career, Hill has put together a useful tool kit for handling protracted negotiations (like those in North Korea) and the aftermath of ethnic and religious conflicts (in the 1990s, he worked with special envoy Richard Holbrooke in the Balkans). It may help too that Hill has a reputation for being approachable and unburdened by ideology. In Iraq, he will need all his diplomatic skills and then some. Iraqi officials like to say they want the same things as the U.S., though they don't like American lectures on how to get them. But Hill has already learned that...

Author: /time Magazine | Title: Christopher Hill: The Negotiator | 6/22/2009 | See Source »

...look at myself as an entertainer. You know my books are going to end well, you know you're going to love some of these people, you know I'm never going to kill a cat--and you can count on the fact that I'm not going to put my political agenda in your face. That just is not what...

Author: /time Magazine | Title: 10 Questions for Janet Evanovich | 6/22/2009 | See Source »

This crisis has already revealed something about Obama: he's not timid. If he succeeds in getting Netanyahu to freeze settlement growth, his next moves may be to dial up the pressure on the U.S.'s Arab allies to take steps toward recognizing the Jewish state and put heat on the Palestinians to overcome their political division, which might entail some easing of the U.S. ban on dealing with Hamas. The latter move would spark loud wailing and gnashing of teeth on both the Israeli and American right. But it may not matter. During the campaign, Obama's foreign policy...

Author: /time Magazine | Title: Why Obama Should Keep the Heat on Israel ... | 6/22/2009 | See Source »

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