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Already got all the credit cards you need? You're still not immune from higher delinquency fees or lower limits. American Express typically cuts the credit limit on about 4% of its members in any given year. That figure now stands closer to 10%, as the card company takes a hard look at customers' credit profiles - including data on who lives in the areas with the most house-price deterioration...
...just one problem, Congressman Cow Patty: A lot of us did eat it, including many of your constituents. The $1.2 trillion - let's spell that out as $1,200,000,000,000 - that disappeared from the stock market on Monday didn't go down a black hole in lower Manhattan. It came out of America's 401(k)s, mutual funds, pension funds and personal portfolios. We've got $17.6 trillion in retirement assets invested as of 2007. There is some $12 trillion invested in mutual funds alone (well, at least before yesterday); about 44% of all U.S. households hold...
...gears of credit) and the long-term capital gains tax on it is $180 billion, which could buy a lot of crap CDOs. And then perhaps resell them at a profit. If we take that $1.2 trillion as a loss, the government foregoes tax money, because taxpayers will report lower incomes after they write off investment losses. Revenues drop, so the government then has to keep priming the pump by increasing spending, which will really tick off Representative Broun...
...recycling sunken vessels. Dismantling a 40-ft. yacht costs an owner on average $5,000 to $10,000, but the costs can run to 100 times that amount. "You can't just crush it up into a cube," says Helton. Meanwhile, state fines for abandonment run a lot lower, as little as $100. Definitions of vessel, abandonment and ownership also vary among states, which means that ship owners can sometimes sink boats and get off scot-free. Federal legislation, meanwhile, typically only deals with pollution or obstruction caused by vessels, not with ship abandonment itself...
Harvard students aren’t used to getting anything lower than a 4.0. But the College scored just a 3.2 on the third annual Trojan Sexual Health Report Card, released yesterday. The survey was sponsored by the makers of Trojan condoms and conducted by Sperling’s BestPlaces, an independent research firm. The report card graded and ranked 139 colleges based on 13 criteria, including sexual assault programs, availability of contraceptives, and student peer groups. Harvard’s ranking fell from 10th place last year to 25th. Trojan and Sperling’s BestPlaces did not release...