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...actually assign a lot of blame for our recent troubles on a lack of interest-rate caps - that is, on the absence of strict usury laws. Why? Almost every state had usury laws in the 1920s, and they were circumvented one by one. Prohibitions against excessive interest started to disappear [South Dakota, for instance, loosened its laws in 1980], and once they did, the credit-card companies recognized a wonderful opportunity. They could charge as much as the market would bear, claiming that they had to charge more for bad credit risks. You can argue that's the democratization...

Author: /time Magazine | Title: How Americans Got into a Credit-Card Mess | 8/8/2009 | See Source »

...Which makes our most recent downturn worse? Yes, absolutely. We're out of proportion with our amount of personal debt. A good number of people are in debt to the point where they may not ever be able to pay their...

Author: /time Magazine | Title: How Americans Got into a Credit-Card Mess | 8/8/2009 | See Source »

...what about all those unlucky couples whose early years are marked by nothing but peace and happiness - what is their litmus test? There are two key predictors of a resilient relationship, experts say: mutual support and a willingness to sacrifice. In a recent study of newlyweds who became first-time parents, Gottman found that two-thirds suffered sharp drops in happiness during their child's infancy, under the strain of new parenthood. But for one-third of couples, the experience was cohesive and increased intimacy. Gottman says he could predict which couples would blossom under stress: those in whom, years...

Author: /time Magazine | Title: In Marriage, Worse First Can Mean Better Later | 8/8/2009 | See Source »

...Recent evidence suggests that visceral fat cells are active, unlike the fat cells found elsewhere in the body just under the skin, known as subcutaneous fat. Those fat cells are essentially just storage sinks for calories. But visceral fat cells actively secrete hormones and other agents that affect the metabolism of sugar and the way the body burns calories. In people, visceral fat has been linked to metabolic changes, such as higher blood pressure and blood-sugar levels, that increase risk for diabetes and heart disease...

Author: /time Magazine | Title: Fat-Bellied Monkeys Suggest Why Stress Sucks | 8/8/2009 | See Source »

...after June 30, the date when the Status of Forces Agreement, concluded between Baghdad and Washington last December, required that U.S. combat forces withdraw from Iraq's towns and cities. Following that date, suspects detained by U.S. soldiers were freed by Iraqis. And the Iraqi government openly disdained the recent offer by Vice President Joe Biden during a visit to Baghdad to help mediate in its conflicts with Kurds and Sunnis. Top military adviser Reese likened the relationship between Iraqi and U.S. soldiers to a "father teaching his kid to ride a bike without training wheels," explaining, "Our hand...

Author: /time Magazine | Title: The Case for Leaving Iraq — Now | 8/8/2009 | See Source »

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