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...Indeed, over the past decade home equity loans have helped finance a lot of big-ticket holiday purchases. And with that resource increasingly hard to tap, middle and lower-income shoppers probably will not spend as much on discretionary purchases. Forty-four percent of consumers polled in WSL Strategic Retail's How America Shops survey said they expect to spend less this holiday season. "This year customers won't trade up," says Cohen. "If I am a Target shopper I will stay there. Last year I was a Wal-mart shopper going to Bloomingdales because I felt good...

Author: /time Magazine | Title: A Gray Friday At the Mall | 11/21/2007 | See Source »

...ground floor. So to mark its 300th birthday this year, F&M embarked on a nearly $50 million renovation to highlight the store's other luxurious departments. Its new crowning glory is a glass-domed central atrium, which spirals up from the expanded fresh-food stalls on the lower-ground level to the women's clothing and beauty stands on the second floor. There you might splurge on a $2,600 Clive Christian "No.1" fragrance bottle, for instance, which flaunts a diamond solitaire. At the very least, the upper floors - where you can also buy designer motorcycle helmets and bejeweled...

Author: /time Magazine | Title: Stairway to Heaven | 11/21/2007 | See Source »

...November (for years like this, with an extra one) to the fourth, to give retailers an edge. They'll need it this time around, as darkened Broadway theaters and striking Hollywood writers dampen the holiday spirit, toys have gotten scary, gas prices trudge ever upward, the dollar slips ever lower, and the credit crisis makes people feel poorer even if they aren't in foreclosure. One marketing firm predicts a "blue Christmas," citing slumping sales of tinsel as a leading indicator; 27% of shoppers say they'll be spending less this year...

Author: /time Magazine | Title: No Ho Ho. | 11/21/2007 | See Source »

...political feuds that plague the West Bank and Gaza Strip, with rival militias fighting over spoils in the holy city. A new "Berlin Wall," says Seidemann, would devastate those who live in East Jerusalem. The average yearly income on the Arab east side is $4,000. That is far lower than the $19,000 a year earned by a typical Israeli in the west of the city, but more than twice as much as the average Palestinian earns in the West Bank. "The East Jerusalemites know that economically, life would be better under the Israelis than under [Palestinian President...

Author: /time Magazine | Title: Jerusalem Divided | 11/21/2007 | See Source »

...other side are people who oppose air-drying laundry outside on aesthetic grounds. Increasingly, they have persuaded community and homeowners associations (HOAs) across the U.S. to ban outdoor clotheslines, which they say not only look unsightly but also lower surrounding property values. Those actions, in turn, have sparked a right-to-dry movement that is pressing for legislation to protect the choice to use clotheslines...

Author: /time Magazine | Title: Fighting for the Right to Dry | 11/21/2007 | See Source »

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