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...wallet. With American Express becoming a bank-holding company this week in order to get low-cost funds and share in the $700 billion bailout pool, it's clear that even traditionally resilient industries like credit cards are feeling pressured. "Credit cards are in line to fall," says Adam Levitin, associate law professor at Georgetown University. "The question is whether they will beat out the auto industry - they're racing for the honors...

Author: /time Magazine | Title: With Defaults Rising, Is a Credit-Card Crisis Looming? | 11/14/2008 | See Source »

...time period, according to Innovest. The savings rate has similarly declined relative to credit-card balances. Meanwhile, home equity, the biggest source of wealth for most families, has been drained by the mortgage crisis. "There isn't a cushion for anyone who has a bump in the road," says Levitin. "Credit cards are often the first place where we start to see all the other problems show up, from medical bills to divorce to a death in the family." And then, of course, there's unemployment. Thus, it's not surprising that credit defaults are up dramatically, at the highest...

Author: /time Magazine | Title: With Defaults Rising, Is a Credit-Card Crisis Looming? | 11/14/2008 | See Source »

...what rate. And by jacking up fees and interest rates for being late, overspending, or overborrowing. The convenience user, one who pays off her balance every month, is a loser. "The credit card industry doesn't really want you to pay off your debt," says Adam J. Levitin, a law professor at Georgetown University and expert in credit card regulatory and competition issues. "It's like a sweat box. They want you in there as long as possible...

Author: /time Magazine | Title: Exposing the Credit-Card Fine Print | 2/21/2008 | See Source »

...guerrillas had demonstrated their power by occupying parts of the republic's capital, Grozny, a few days earlier. The Kremlin did not see it that way. "There are no signs of terrorism," the chief spokesman of the Federal Security Service (FSB), Sergei Ignatchenko, insisted last Wednesday. Transport Minister Igor Levitin dismissed the idea that the tragedies might be linked. "They belong to different air companies, and were flying to different locations," he told journalists. Meanwhile, President Vladimir Putin appeared on state TV, discussing the harvest and the new school year. By Friday, the official line was unraveling. The FSB soon...

Author: /time Magazine | Title: The Black Widows' Revenge | 8/29/2004 | See Source »

...while some of the equipment and training required to correct these problems are contingent on improved cash flow, some of the solutions are nearly free. Levitin advises local governments to "share as much information with surrounding communities as possible." We don't need to re-invent the wheel in every town hall across the country, he says. Instead, the feds need to do a better job of disseminating their valuable information into the localities. That sort of intelligence sharing, of course, depends on cooperation and selflessness - two conditions even less likely these days than solvency...

Author: /time Magazine | Title: Are Hospitals Ready for Terrorism? | 3/5/2003 | See Source »

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