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Shock & ARMs (Detroit News) - F or Amy and Randy Greenwood, an adjustable-rate mortgage was a way to consolidate bills even with less-than-perfect credit.. Cancel a card, hurt your credit score (Bankrate.com via Yahoo! Finance) - Is that always true? Here are some ways to manage your credit cards and preserve your credit score.. Should I Refinance My Home To Pay Credit Card Debt? (CBS 46 News Atlanta) - A mortgage refinance can be a good way to pay off your credit cards and lower the interest rate on your debts. But weight the pros and cons before making a decision.. Consolidate PSU banks: Lahiri (Express India) - Chief economic advisor Ashok Lahiri has said that size, credit outreach, technology and customer service are key challenges for Indian banks. He was speaking at a seminar organised by Delhi University.. Collegiate Pacific completes acquisition (Sharewatch) - Sport Supply shareholders will get $8.80 in cash per share. Collegiate Pacific financed the deal through loans under a new credit facility with Merrill Lynch Business Financial Services Inc.. U.N. Report (The Washington Times) - Cutting the overlaps A blue-ribbon panel issued suggestions last week to consolidate U.N. field operations. If undertaken successfully, participants say, the organization would be far more efficient and effective.. Quintum CTO Tim Thornton on Remote VoIP Deployments (TechNewsWorld.com) - Internet telephony, or Voice over Internet Protocol, is well beyond the "what's that" phase, but not yet into the mainstream phase. Companies like Skype and Vonage have raised awareness of this next-generation telephone option, but only a relative handful of enterprises have adopted the technology.. Collegiate Pacific Completes Acquisition (AP via Yahoo! Finance) - Collegiate Pacific Inc., which makes sports equipment, said Monday it completed the purchase of shares of Sport Supply Group Inc. that it didn't already own, for about $24 million in cash.. Time to Focus on the Real Choices in Darfur (Washington Post) - The demand by American activists for U.S.-led military intervention to halt genocide in Darfur by the Sudan government and its militia proxies is a utopian diversion that has led nowhere. Their verbal attacks on Khartoum and calls on China and Russia to stop blocking possible UN coercive action may express their frustration but do not make good foreign policy. The Bush administration needs to . Stateside shake-up planned at RBS (Daily Telegraph) - Royal Bank of Scotland is working on a shake-up of its American business that will see the Scottish lender apply for a national banking licence in the US..