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...reason for doing it. "If refinancing reduces your monthly payments and frees money you can apply toward principal, thereby getting the house paid off faster, that makes sense," says Mark Brown, a certified financial planner and partner in Brown & Tedstrom Inc. in Denver. It also depends on your time horizon. Planning to stay in your house 10 years or more? Then taking the extra cash from refinancing and investing it in something that has a higher rate of return can really bolster your retirement portfolio...

Author: /time Magazine | Title: Why Refi? | 9/4/2005 | See Source »

...with things they knew. He gave his works yielding names that invited the mind to attach larger meanings to even the simplest of signs, such as Storm for a dark blue panel that sits atop a white one of the same size, like a stormy sky on a flat horizon...

Author: /time Magazine | Title: Art: The Man of Small Things | 7/10/2005 | See Source »

...precisely, had bombed London, and how they managed to penetrate the defenses of a city that for years had its guard up against just such attacks. A British source with access to intelligence reports said there were no indications of imminent attack: "There was no sign on the horizon, at all." Indeed, exactly one month earlier, at a regular briefing with corporate executives and managers of critical infrastructure systems, MI5, Britain's domestic intelligence agency, had downgraded its threat alert to the lowest level since Sept. 11, 2001. An aide to Blair, asked about the failure of the security services...

Author: /time Magazine | Title: Rush Hour Terror | 7/10/2005 | See Source »

...other Bears think he handles himself like a defensive player, a high compliment in Chicago, for this is eternally a defensive team. Ditka's shutout department is run independently by a straight-talking old ramrod named Buddy Ryan, an Oklahoman partial to cowboy boots and farm hats that say HORIZON SEEDS. In an era when most coaches feel obliged to soothe the players' psyches, Ryan is a link to the past. He took one wide look at "the Refrigerator" last summer and declared the Clemson first rounder to be "a wasted draft choice." But this was not an unusual introduction...

Author: /time Magazine | Title: Chicago Bears: Sweetness and Might | 6/21/2005 | See Source »

...explore, and to photographers. But painting served as a way of oblivion--of reconstructing an idealized innocence. Thus, as Dr. Cooper points out, Homer's 1870s watercolors of farm children and bucolic courtships try to memorialize the halcyon days of the 1850s; the children gazing raptly at the blue horizon in Three Boys On The Shore, their backs forming a shallow arch, in a sense are this lost America. None of this prevented Homer's contemporaries from seeing such works as unvarnished and in some ways disagreeable truth. "Barbarously simple," thought Henry James. "He has chosen the least pictorial features...

Author: /time Magazine | Title: Art: Into Arcadia with Rod and Gun | 6/21/2005 | See Source »

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