... the effects of inflation so the return from one year to the next can be compared. Historical data shows that the inflation corrected ROR over a 20 year period is clearly higher for Stocks, except for a period in the mid-1970’s when stock returns dropped below T-bills. Periods of high inflation in the 70’s are the primary drivers of the stock ROR decline. T-bills have historically had a much lower 2.5% maximum ROR that has not been prevalent until the past few years. Bonds have consistently had negative ROR’s until recently when the trend seems to be following stocks. Analysis of 3 and 10-year investment time frames emphasize the importance of the perio ...

... power during the depression were Adolph Hitler and Benito Mussolini who of which was the dictator of Italy from 1922 to 1943 just like Hitler was dictator of Germany from 1933 to 1945. Relation between the nations suffer during a depression. Basically each country tries to protect its own interests without concerns of other nations. Depression hurt a lot of people, especially working people who lose there jobs. Bank failures clean out some depositors savings if funds are not ensured. When there was the depression, most people can not meet the house or apartment payments so they lose there homes and become homeless. During a depression some people must live on ch ...

... economy models. An exchange rate regime is a description of the conditions under which national government allow exchange rate to be determined. There are three types of exchange rates, fixed, flexible and managed exchange rate. In a fixed exchange rate regime, national governments agree to maintain the convertibility of their currency at a fixed exchange rate. A currency is convertible if the government acting through the central bank, agrees to buy or sell as much of the currency people wish to trade at the fixed exchange rate. Most central banks act as the government's banker, the Banks' bank, lender of last resort and issuer of notes as well as superv ...

... children, and take care of the household chores. To accomplish these household tasks it is not necessary to have a higher education such as a college degree. Only in the past few decades, the number of women with a college degree has increased towards nearing the number of men with a college degree. It is only rightly so that the people with a higher education will earn a higher salary. If women desire to earn a higher salary, they must earn a higher education first. Women in the workplace today generally are likely to stay with their job because they like to have security in their career. Most women tend to stay with a job because they either enjoy and are s ...

... subject of most New Year's Resolutions. It used to be weight. Something is definitely amiss. These statistics have been building for years but it is no longer just the baby-boomers problem. My generation just embarked down the same ruinous path. Many students come out of school not knowing how to balance a checkbook. College is where you start learning firsthand about finances and credit because the credit companies are sending out cards by the buckets to students. Citicorp just spent ten-million marketing credit cards to high- school kids. Sixty-one percent of all college students are carrying a card, and thirty-two percent of those got it be ...

... and the Nokia 14" Remote from Dixons. The models were both available from the mail-order supplier, at the same price. The video recorder that I chose to use was an AKAI VSG745, and was in fact available from both stores. The computer was the most difficult part of the system to match, as the Dixons systems came with some added bonuses such as extra multimedia software and Internet capability. I therefore reduced the price of the Dixons machine to account for these differences, by deducting the price that it would cost to upgrade on the Tandy machine. So, to give the Tandy computer Internet capability would cost £150, so that was deducted, and the multimedia softw ...

... variety to certain areas of the market. This last case should be like a stimuli for national producers to produce more and with a better quality and to find ways of having lower costs of production. This aims come to light because, as foreign products enter the market, they may be of a better quality and even cheaper than the national ones. Now, the consumers will have more possibilities to choose from and, it is very probbable that they will choose the cheaper and brand new products. So, if national producers don´t do anything in order to improve thier products, then they will be in danger of going to bankruptcy. As a result of this, the national products have t ...

... with materialism then personal enlightenment. They have no clue what it means to be really happy nor do they know what rich really is. Though in my opinion we have mastered the corruption of money and government, and the art of gaining weight. To sum it up we are a bunch of rich fat people who have no concern for culture. The Buddhists believe being rich is more than material possessions and I agree. In this essay they also commented that “simplicity and non-violence” are closely related. I agree with that belief as well. I liked how E.F. Schumacher explained the importance of consumption and how it effects pressures put on society. Although people in le ...

... well as the employers. The process of creating and implementing EAPs will be discussed. It is important to define who the troubled employee is, how the EAPs are to be structured, and how it is that the troubled employee is helped through the structured programs. As those three areas are discussed, some of the statistics that make these EAPs necessary, or at the very least, helpful, will be looked at also. The Troubled Employee Many of us have seen Gus – he’s the one who believes that in order to ease the hang over from last nights party, he has to have a drink the next morning. But it may not stop there. He needs a sip around 10am to take the edge off. Whate ...

... with my fellow peers. If we did not work well together we would not have had a winning season. As well as playing soccer, I played saxophone in my eighth grade band. We all had to work together to be able to perform efficiently in the many concerts we consummated. Coming in after school for practices and smaller practices during the school day all helped us to unite and play music. This skill will enable me to work with other people, no matter what my personal feelings for them may be. Being able to use technology will be a profound advantage when I begin working. Many jobs now, and soon will, require proficiency in the use of a computer. Computers help by doing m ...