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...didn't yield smarter investors. In the 1990s, employees at some fast-growing companies kept up to 90% of their 401(k)s in company stock. When Enron and WorldCom tanked in 2001 and '02, they each took more than $800 million in savings with them, prompting landmark lawsuits. The current meltdown has skimmed about 20% from 401(k)s since 2007 and ignited debate over their retirement-income reliability. "Unlike Wall Street executives, American families don't have a golden parachute to fall back on," said California Representative George Miller at an Oct. 7 hearing on retirement savings...

Author: /time Magazine | Title: A Brief History Of: The 401(k) | 10/16/2008 | See Source »

...problem for voters today is that crisis comes in triplicate: Would McCain be better suited to the challenge of another terrorist attack? Is Obama's deliberate style more likely to yield progress against a challenge like climate change? And who can navigate a path through an economic crisis hardly anyone understands? Not only can't you know what a President will face, but his reflexes in one crisis may not be typical of how he responds to another. President Kennedy's temperament has been defined by his ingenuity and cool head during the Cuban missile crisis. "That's not necessarily...

Author: /time Magazine | Title: The Temperament Factor: Who's Best Suited to the Job? | 10/15/2008 | See Source »

...Scotland (RBS), Britain's second-largest lender, a cash injection amounting to almost double the bank's current market capitalization. Most of the investment will take the form of ordinary shares, which private investors are invited to purchase along with the government. But under the deal, those shares yield no dividends until the government recoups its stake, which it will hold in non-voting preference shares. So no one is expecting many private takers, leaving the government shouldering around 60% of RBS. At Lloyds TSB and HBOS - rival U.K. lenders in the midst of a merger - plans to offer...

Author: /time Magazine | Title: Britain Sets Details of Huge Bank-Bailout Plan | 10/13/2008 | See Source »

...fears echo a nearly completed U.S. National Intelligence Assessment that has described a "downward spiral" in Afghanistan unless major improvements are immediately implemented. Meanwhile, the Bush Administration has launched a major review of its Afghanistan policy just as new ground-based intelligence indicates that this winter may not yield the expected lull in fighting that would have allowed a deployment of extra troops to wait until the spring. U.S. and Afghan forces patrolling the eastern border near Pakistan have uncovered caches of cold-weather gear and weapons in areas that are usually closed off during winter snows...

Author: /time Magazine | Title: Facing Reality in Afghanistan: Talking with the Taliban | 10/13/2008 | See Source »

...York, which also sold bonds that day - paid much more of a premium over Treasuries than they would have before the credit crunch began in the summer of 2007, says Matt Fabian, managing director at Municipal Market Advisors. Ohio, for instance, is paying almost 1 percentage point more in yield for 20-year bonds than it did a year ago. "Maybe this is the new normal," says Fabian...

Author: /time Magazine | Title: States and Cities Grapple with the Credit Crunch | 10/9/2008 | See Source »

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