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...Settlement is a renegotiation of debts that stops short of bankruptcy. Unsecured creditors such as credit-card issuers are willing to accept sharply reduced paybacks from especially troubled customers because they might not get a penny in bankruptcy court. The field has been replete with shady operators and high fees, but states are beginning to regulate it, and Croxson thinks it's headed for mainstream legitimacy (CareOne does not do debt settlement but sometimes steers clients in that direction). Big-time financial trouble is on its way to becoming a respectable middle-class phenomenon...

Author: /time Magazine | Title: Credit Problems Are Climbing the Income Scale | 3/9/2009 | See Source »

...Harry Douglas said. “That’s really what they proved.”Senior outfielder Tom Stack-Babich paced Harvard offensively, smashing a tape-measure three-run homer in the top of the fourth.“I flipped a changeup out onto the soccer field,” he said. “I hit it pretty hard.”JACKSONVILLE STATE 7, HARVARD 6After the Crimson let the Gamecocks come back from a seven-run deficit in the first game of Saturday’s doubleheader, Harvard almost returned the favor...

Author: By Loren Amor, CRIMSON STAFF WRITER | Title: Crimson Bats Wake Up, Prevent Sweep in First Series | 3/9/2009 | See Source »

...constructed to be egalitarian in both theory and practice by being widely publicized and open to not only students, but also anyone who is interested. By putting all potential actors through the same process, the theater community does its best to ensure that everyone is given a level playing field. Those who are not satisfied with the roles being offered can mount their own productions, by applying for funding and space from numerous sources...

Author: By Benjamin K. Glaser | Title: The New Era Is Now | 3/8/2009 | See Source »

...packed fair was a sign that not even Ivy Leaguers are immune from job worries in this recession, it also signaled that green jobs - which include everything from solar panel installers to EPA administrators - could be a rare bright spot for employment. "The jobs are really coming in this field," says Karen Marcus, a "green niche coach" who was advising applicants at the Columbia fair. "We're finally mainstreaming the green career. We're on the cusp of opportunity." (See TIME's photos: "This Fragile Earth...

Author: /time Magazine | Title: Green Jobs: Still More Promise Than Reality | 3/7/2009 | See Source »

...Michael P. Jacobson, a former NYC Corrections commissioner and now director of the Vera Institute of Justice, there is a "historical moment" afoot now to abandon what he and others in the field call the failed policy of "mass incarceration" in favor of systematic and adequately funded re-entry efforts. But nowhere, he cautions, is there such a gap between what we should do - what we know to be the right thing to do policywise - and what we actually...

Author: /time Magazine | Title: Another By-Product of the Recession: Ex-Convicts | 3/6/2009 | See Source »

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