Word: count
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Dates: during 1990-1999
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...Across the board, advising is a crap shoot. Some lucky souls land the jackpot, scoring an assistant dean with time on her hands, but don't count on anything more than a confused graduate student. Research the labyrinthine academic bureaucracy for yourself and start thinking soon. At the end of your first year, you'll have to choose a concentration ("majors" are just too plebian...
Time to get used to the Harvard attitude: Nothing but the H-stamp is good enough. Few foreign classes or AP classes count for anything, and internship credit requires an independent study, an advisor and a blood sample...
...make mortgage loans to home buyers. Lending money used to be a relaxed affair. Loan officers decided what a property was worth after a quick look at the house and a chat with the owner or a local real estate agent. Assessments were so rough that the bank could count just 30% of the assessed home value as collateral, and could only lend accordingly. The system was also open to bribery--slipping an envelope full of cash to a bank official was a good way to boost your property value, according to Kim Jun Tae, head of the now privatized...
FUND FEES ADD UP No matter how much cash Americans plow into mutual funds--$5.5 trillion at last count--most still can't get a handle on what they're paying managers to run them. So last week the SEC introduced an interactive calculator www.sec.gov to show how those confounding fees--front-end loads (sales-charges), expense ratios--add up over time. Two $15 billion large-growth funds--one load, one no-load--can generate very different costs. Use the calculator to help find out if your fund managers are worth the price...
...draw the line at Kosovo? The world is speckled with dangerous ethnic conflicts, often with death tolls that are already tens or hundreds of times the estimated count in Kosovo. The U.S. has pursued a hodgepodge policy in the past, picking and choosing involvements based on both the humanitarian need and the geopolitical importance. The National Journal recently cast an eye back at the ethnic and civil wars that have bedeviled the past decade. Here we offer a similar look at the relationship between human cost and U.S. intervention...