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...people who fully embrace the existing structure," Sigler, 39, said in a telephone interview. "To hear these arrogant, frustrated authors, that's what fuels my opinion that these people are dinosaurs." Meawhile, Sigler says, putting his work out for free helps him "prove to the fans that I am worth their money before they even spend a penny...

Author: /time Magazine | Title: Podcasting Your Novel: Publishing's Next Wave? | 1/31/2009 | See Source »

...bank's stock has fallen more in value during the past four months than Bank of America's. The combined value of its shares is now $37 billion. That's $123 billion less than they were worth at the end of September. In the third quarter, BofA was forced to write down $4.4 billion in loans, or about 1.8% of its loan portfolio. Compared with what some of its competitors wrote down, that wasn't a heck of a lot; Citigroup, for instance, had a $13.2 billion charge in the same quarter, primarily related to loan losses. But the relatively...

Author: /time Magazine | Title: Why Your Bank Is Broke | 1/31/2009 | See Source »

...math, and you can begin to understand how really botched this bailout has been. Since October, the government has deposited $165 billion into the accounts of the nation's eight largest banks. Yet those same financial firms are now worth $418 billion less than they were four months ago, and the Congressional Budget Office estimates that the government's preferred shares are worth at least $20 billion less. In Wall Street terms, that's throwing good money after bad. All told, the government's annualized rate of return on its investment in the nation's largest banks...

Author: /time Magazine | Title: Why Your Bank Is Broke | 1/31/2009 | See Source »

...after a borrower misses his first payment. Other banks wait until the loan is 120 days past due. But for loans made through a firm's investment-banking division, the bank has to reduce the value of those debts according to what similar pools of loans are worth. This is known as mark-to-market accounting. And when investors grow increasingly nervous that borrowers will not pay back their debts, as they are now, the bonds on which those loans are based plummet in value, even before payments stop coming in. As a result, banks are watching their capital bases...

Author: /time Magazine | Title: Why Your Bank Is Broke | 1/31/2009 | See Source »

...education that this loss symbolizes. The Rose, home to Brandeis’s 6,000-object art collection, was approaching its 50th anniversary, but may not make it to that milestone. On Monday, the Board of Trustees voted unanimously to close the museum and use its collection—worth an estimated $350 million—in order to generate funds to cover the University’s looming multimillion-dollar budget deficit. While the plan has been met with considerable opposition from several long-time donors to the Rose and from student protests, the University is moving forward undeterred...

Author: By The Crimson Staff | Title: The End of the Rose | 1/30/2009 | See Source »

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