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...country's energy fortunes? The answer can be found 700 miles north of Montana near a onetime frontier outpost in Alberta called Fort McMurray. At Syncrude Canada's North Mine, a huge open pit nearly two miles across and 250 ft. deep, giant shovels scoop out a petroleum-soaked deposit called oil sand that is beginning a long journey from here into the gas tanks of American cars. The region contains enough of the crude mixture to produce an estimated 175 billion bbl. of oil, eight times the known deposits of conventional crude...

Author: /time Magazine | Title: Asleep at the Switch | 10/13/2003 | See Source »

Before you conclude that the moral of this story is that Canada is just lucky to have the stuff, read on. For the U.S. has vast quantities of a similar deposit called oil shale, a claylike rock soaked through with fossil fuel. In fact, at least 1 trillion bbl. of it, or four times Saudi Arabia's oil reserves, is locked up in the mountains 200 miles west of Denver. The U.S. spent billions of dollars to figure out a way to mine the stuff, then gave up and walked away. Why Canada has succeeded at creating a homemade source...

Author: /time Magazine | Title: Asleep at the Switch | 10/13/2003 | See Source »

Mounting banking fees became such an annoyance to Andral Parrish that when her company, U-Haul International, offered a paperless alternative to direct deposit she signed up to receive a payroll card. Now the debit-style card with the Visa logo and a Bank of America imprint gets loaded with her salary twice a month. No bank account required...

Author: /time Magazine | Title: Bye-Bye, Paycheck | 10/13/2003 | See Source »

...each paper check not cut, about half a million dollars in savings a year. For the nearly 14 million U.S. households that are "unbanked," payroll cards, usually issued by banks with the MasterCard or Visa logo, bypass the need to establish the personal accounts used for direct deposit...

Author: /time Magazine | Title: Bye-Bye, Paycheck | 10/13/2003 | See Source »

...economy continues to recover, interest rates and prices are likely to rise. But there are ways to limit inflation's bite. Last week LaSalle Bank rolled out the first inflation-protected certificates of deposit. The five-year CD yields 1.5%, the 10-year 2.5%. The rates trail those of regular CDs, but the principal values change on the basis of inflation. Another new offering: corporate bonds from Household Finance that pay interest at a rate pegged to the consumer price index. The bonds, which are riskier than those issued by the government, yielded 4.71% last week. Brokerages like Charles Schwab...

Author: /time Magazine | Title: Money: Ways To Trim Inflation Risk | 10/6/2003 | See Source »

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