Word: maying
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...America's largest textbook buyers, the Longhorn State has a good deal of sway over what is peddled to schools nationwide. And while Napoléon may have maintained that "history is the version of past events that people have decided to agree upon," getting Texans to come together on the past may prove to be their Waterloo...
Every year, millions of business owners agree to put their personal assets on the line. "Even a business with a solid balance sheet may be required to have a personal guarantee," says Therese Franzén, an Atlanta lawyer and chair of the American Bar Association's consumer-financial-services committee. The hope, of course, is that your business will thrive and you'll pay down the loan just as you would a mortgage.(See how to plan for retirement...
Among the legal oddities I learned along the way: banks usually require business partners to agree to something called joint and several liability, which may sound nice and fair but in reality means the lender may pursue just one of the partners for the entire debt. I also found out I had to sign a spousal consent only once, no matter how many times the line of credit increased...
...could redo it all, we would try to negotiate and structure the guarantee differently. "There are other bargaining chips in lieu of or to reduce the personal guarantee that banks may not go out of their way to reveal," says Michele Dean, senior vice president at Bethpage Federal Credit Union in Bethpage, N.Y. These chips include pledging accounts receivable and asking for a guarantee that gets smaller each year as you build a credit history...
...Starr's investigation of Bill Clinton and Clinton's disastrous pardon of fugitive financier Marc Rich, needs no lesson on the pitfalls of his position. But Holder enjoys a personal relationship with Obama that he never had with Clinton - and that makes the job harder, not easier. It may also help him keep...