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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...
...Formula One's governing body plans to take legal action to prevent the teams from forming their own series. "The actions of FOTA as a whole, and Ferrari in particular, amount to serious violations of law, including willful interference with contractual relations, direct breaches of Ferrari's legal obligations and a grave violation of competition law," an FIA statement read. As the two sides dig in, the biggest loser is the sport. If Formula One does end up splitting, says Aylett, "people might go watch rugby...
...could become the only state in the First World without subsistence benefits for poor children," says Frank Mecca, executive director of the County Welfare Directors Association of California. If California ends CalWORKs, the state's welfare-to-work program, it would save $1.3 billion but lose three times that amount in federal money. (Since President Bill Clinton's reform, welfare has been run by the states, which receive block grants from the Federal Government that they spend as they wish. Mecca says no other state has ever said no to the federal money, nor has one proposed a flat...
...description isn't wrong. The Obama plans would, if enacted, amount to the biggest changes in financial regulation since the 1930s. But don't let this make you think the Obama reforms even approach in significance and forcefulness the changes made back then. In the early days of the Roosevelt Administration, Congress set up the Securities and Exchange Commission and charged it with strictly regulating markets, split banks from investment banks with the Glass-Steagall Act, created the Federal Deposit Insurance Corp., and enacted all manner of other game-changing financial reforms. It's not just that the Obama reforms...
...within the Yellow Ribbon Program itself, he said he would refrain from judgment "until we see how individual aid packages turn out."Susan Gilbert, director of MBA financial aid at HBS, said her school was happy to support such an important initiative and that $5,000 represented an "appropriate amount for the first year of our program."Day said the University's decentralized approach has actually allowed for greater participation in the program among Harvard's various schools, which have different admissions timelines, tuition expenses, and institutional aid budgets."From the beginning we were concerned that if the VA required...