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...James, GMAC, American Express and business financier CIT have all applied to convert into bank holding companies, partly in order to be able to get access to cheap funding through deposits. GE Capital, the finance arm of GE, is planning on doubling its deposit base, which it garners through broker-sold CDs, to $81 billion next year. Goldman Sachs is on track to open an online bank. Morgan Stanley, which already has $36 billion in deposits, is selling billions of dollars' worth of new CDs and looking at other banks it might buy. "It's really changing the landscape," says...

Author: /time Magazine | Title: The CD-Rate Scramble: Better for Depositors than for Banks | 12/8/2008 | See Source »

...avoided deforestation projects. The possibility of tapping into California's rich carbon markets has tropical nations salivating. "Until now, no one has said to [rain-forest nations] 'We'll give you a market for your credits,' " says Dorjee Sun, CEO of the avoided-deforestation group Carbon Conservation, which helped broker the deal. "This is the next step...

Author: /time Magazine | Title: Green Banks: Paying Countries to Keep their Trees | 12/4/2008 | See Source »

...economic recovery. Last month the International Energy Association warned that oil prices could return to record highs if energy companies pull back their investments. "I worry that the downward slide in prices is causing the industry to overcorrect," says John Harpole, who runs Mecator Energy, a natural-gas broker. "We are going to see higher tops...

Author: /time Magazine | Title: Oil-Price Drop Forces Big Energy to Retreat | 12/3/2008 | See Source »

...Salvation Army has a devoutly religious mission, rooted in its founding in 1865 by an evangelical protestant minister (and former pawn broker) named William Booth, whose early motivation was to convert poor Londoners - and eventually prostitutes, gamblers and alcoholics - to Christianity. Recognizing that his followers needed more than just religion to improve their lives - and that the way to attract the destitute was the provide services - Booth provided meals, clothing and other assistance to his early converts. He was famous for saying, "Nobody ever got saved while they had a toothache." The quasi-military name "Salvation Army" was given...

Author: /time Magazine | Title: The Salvation Army | 12/2/2008 | See Source »

...White House. While many prior Democratic national security advisers - think Anthony Lake under Clinton - have been academics or policy wonks, Obama's choice of Jones highlights his centrist tendency and his willingness to confound his party. It will be Jones' job to serve as a foreign-policy broker for the President, funneling to Obama his assessment of how to best reconcile the conflicting views of the State Department, Pentagon, and other elements of the U.S. government's international actors...

Author: /time Magazine | Title: James Jones Jr. | 12/1/2008 | See Source »

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