Word: carded
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...trillion-dollar deficit, you might calculate how much money that represents per person in the U.S. One trillion dollars divided by 300 million Americans comes out to $3,333. Then you search for a useful comparison. A convenient - though perhaps unsettling - comparison is to the amount of credit-card debt carried by the average person in this country. That figure is $3,245. "So a good way of thinking about government debt financing is that it's similar to what the average person is doing," says Camerer...
...from a record number of loan defaults, particularly in the mortgage business. Industry experts say the widely used credit scores, the most famous of which is called the FICO, have not proved as effective in ferreting out bad borrowers as many lenders had anticipated. (Read TIME's "Bailout Report Card...
...alternative credit information say their business is booming, even as the rest of the lending industry continues to shrink. Banks once sought out such information as rent-payment histories to assess whether to lend to individuals who lack a credit score because they may never have had a credit card or mortgage and don't have enough credit history to generate a rating. These days, more and more banks are using the supplemental information, even with customers who have a credit score, in an effort to lower loan defaults...
...unemployment insurance. Passing laws in Congress to cut taxes or boost spending to stave off a downturn was seen as pointless at best. Such help would arrive too late or in the wrong place, the thinking went, or would have no impact at all. (See TIME's "Bailout Report Card...
...Party. Starbucks is offering registered Starbucks reward card customers $2 Tazo Tea lattes through Jan. 18. Just use your Starbucks card...