Word: cards
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...free spenders with good incomes while in their careers) but did not save enough and have already run out of cash or will soon. This group is "flipping out," Dychtwald says. Take George and Maria Rudd of Miami. Together they earn $280,000 a year but have more credit-card debt ($45,000) than savings and investments ($40,000). George, 69, is a construction manager and wants to retire in two years. Both he and Maria, 62, a financial-services compliance officer, rue their profligate lifestyle--for instance, they cashed in 401(k) savings to buy a $58,000 sailboat...
...each time he hires a "model," an extra like Suraj loses work. Suraj, who dreamed of being an action hero, now thinks he is lucky to have a union card. The money is awful, and he is often at the mercy of corrupt agents, but still Suraj says he will never go back home to Bhopal. "I can't do anything else," he says. Nevertheless, he might soon have to. He waits every day at the dank office, but producers are no longer calling. "This is a cruel industry," says filmmaker Mahesh Bhatt, who tries to hire junior artists...
...meticulous attention to customer service, quirky advertising and the convenience of around-the-clock access. "Pricing's really the thing that keeps them in the game," says Matt Stamski, a senior analyst at Gomez, an Internet consultancy. Egg offers an interest-free, six-month introductory period on its credit card, and afterward a modest annual percentage rate (A.P.R.) of 13.9%. Smile gives current-account holders a credit-card rate of 9.9%; non-account holders pay 12.9%. High Street banks' credit-card A.P.R.s are as high as 24.9% on a standard card. The big banks are hardly standing still. Barclays...
Longmuir, 46, credits Card and some of her other male bosses with "being so gender blind that they had more confidence in my abilities than I did." She believes women "are more comfortable working in teams, and that is an advantage in such a complex business" as aviation. She helped United make the transition to an employee-owned corporation, oversaw its successful international expansion and coordinated the Washington angle of the bold yet ultimately unsuccessful merger attempt with US Airways...
...still tries to read every customer letter the airline receives. As the self-described "mother hen" of the carrier's 35,000 workers, she encouraged a family atmosphere long before it became fashionable. Birthdays, anniversaries and other significant events in an employee's life are noted with a card from Barrett's office. The airline has endured only one strike in three decades. Employee morale is boosted not only by the airline's sense of fun but also by its profit-sharing plan, an industry first that started in 1974; workers own about 10% of company stock...