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Faced with ever increasing labor regulation, upwardly spiraling health care costs and the like, many companies are reducing their workforce by subcontracting - often overseas. Goodbye to Comprehensive Checklists (pdf, high-paying union jobs. Malcolm Berko summed it up: It wasn't long ago that big employers such as Maytag, Goodyear and General Motors paid Americans the equivalent of $40 to $60 an And Selection, hour. Today many of America's largest employers - e.g., Wal-Mart and McDonald's - pay workers $8 to Comprehensive File), $12 an hour. And like it or lump it, folks making $12 an hour can't afford to travel to SeaWorld from Oregon, Oklahoma or Ohio and pay an 2014 Keepsake Calendar, entry fee of Checklists (pdf $260 for a family of four plus $175 for a hotel room. This is why he doesn't recommend SeaWorld or other amusement park stocks these days. ( posted 10/20/14, permalink ) Where Are All The Entrepreneurs? The rate at which new companies are being formed has fallen steadily for over three decades - almost 30%.
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Also noted: The drop has been sharpest among the Contractor Invoice, millennial generation, which is grappling with heavy student debt and a frustrating job market, according to research by Robert Fairlie, an economist at the University of California, Santa Cruz. Comprehensive Wedding Checklists (pdf! People ages 20 to 34 created 22.7% of all new companies last year, down from 34.8% in 1996. I would posit four additional reasons for the decline in small business formation: #x2022; The Death Of Retail: Everywhere I look, I see retail space for rent. Plan Microsoft! The nearest shopping mall in Vancouver, WA is almost deserted with many vacant, boarded-up spaces. Nordstrom, one of its anchor tenants, has announced that it's leaving in Comprehensive Wedding (pdf, a few months. Even the kiosks were sparse and many of the remaining shops seem to specialize cheap imported impulse items.
In the | Design Away | Logos, U.S., shopping mall traffic peaked in the late 1980s and Comprehensive Wedding Checklists (pdf has been slipping ever since. More than 300 U.S. shopping malls have closed in Math On Pinterest Patterns, recent years. #x2022; The Disappearance Of Local Lending Institutions: Business loans for young companies are extremely hard-to-get because the locally-owned bank has become a rarity. No longer is there a hometown bank executive who keeps his nose to the ground, has significant personal lending authority, makes loans based partly on the character of his clients, is guided by Comprehensive Wedding Checklists File) a loan committee of other knowledgeable locals and knows his market because he attends local business events and networks. He has been replaced by Math - Patterning Images | Math a well-dressed employee-drone of some mega-bank, who has almost zero lending discretion and knows little about the Wedding File), business community he/she serves. Decisions are made by Template Microsoft - Apigram.com a committee of uninvolved managers thousands of miles away based on a proprietary, arbitrary scoring system. Mega-banks have raised lending standards through the roof. #x2022; The Unbearable Burden Of Regulations: The annual cost of all mandated Federal regulations for firms with less than 20 employees is Wedding File), estimated at Swot Analysis Creative over $15,000.
This does not include the added cost of training poorly-educated, near illiterate graduates - products of our failing unionized education system, which turns out near-illiterate slackers with little knowledge and even less work ethic. Add in mandated health care costs, the cost of Wedding Checklists litigation insurance ( product liability, employee negligence ) and the risk/reward ratio for And Selection (d…, business ownership becomes unattractive. Over-regulation encourages businesses to automate, outsource or not even start at all. #x2022; The Disposable Society: We live in an age of (pdf File) devices and items which cannot be repaired. Best Photos Of Free Contractor Template - Contractor! This has led to a dramatic decline in fix-it shops of all types, including television/electronics repair firms, furniture refinishing places, automobile tune-up shops, engine rebuilders, clothing alteration stores and shoe repair establishments. People would rather buy cheap footwear made in some Third World country and, when a hole appears in the bottom, toss them in the trash. California is the poster child for the anti-business climate. Not long ago, a booming Golden State economy was fueled by industrial jobs - mostly manufacturing, including high dollar items like cars, electronics and aircraft.
Today, the Comprehensive Checklists (pdf File), factories are largely gone, driven out by the high cost of doing business and by a left-wing legislature that doesn't seem to care, making ghost towns and ghettos of once-thriving metropolises. The Port of Los Angeles was once filled with finished products to be exported to the Far East. Of Free Contractor Invoice Template! Today, much of LA's exported product is waste paper - shipped to Asia to be converted to Comprehensive, cardboard boxes for Recruitement Of A Pharmaceutical Sales (d…, shoddy manufactured goods exported to the United States. ( posted 10/8/14, permalink ) No Ally Of Mine: Tempted by its relatively high-money market rates ( which are still very low but five times better than the best rates locally - these days most local banks offer about the same compound interest as a sperm bank ), I tried to do business with Ally Bank. Wedding! I filled in Plan, all the Comprehensive Wedding, paperwork and Analysis | Cheryl's Creative mailed a check, since I do not do banking or investment transactions online. The check was mailed August 15th. Then the 'fun' began. First, Ally claimed that I failed to send page two of my application.
Not true, Ally lost it. They sent another one. I filled out the second page and mailed it. Then I received a phone call telling me that I must verify my wife's Social Security number by Comprehensive (pdf sending in Recruitement And Selection Of A Represenative, a copy of her SS card. Comprehensive Checklists File)! In my fifty-plus years of banking, I've never received such a request. Frustrated, I told them to tear up my application and return my check. They failed to return the check and it took multiple calls to Implementation Plan, get them to Checklists, do so. My advice - don't do business with Ally Bank, formerly GMAC. Its personnel are unempowered, clueless and incompetent. ( posted 10/6/14, permalink ) A Graphic Jobless Recovery: Scott Grannis has posted a graph which is worth a thousand words.
He wrote, The six-month annualized growth rate of private sector jobs is still just a bit above 2%, the same rate we have seen since early 2011. Photos Contractor Invoice - Contractor! . Public sector jobs are no longer declining, and are now growing very slowly. Wedding File)! The labor force is still growing at a miserably slow rate. Overall, the Keepsake, jobs picture has been mostly flat during this 'recovery'. Scott continued, It's still a very sub-par recovery. There is no sign of a recession or a boom. Things are not likely to change materially unless and Wedding (pdf until we get some improvement in fiscal policies (e.g., reduced regulatory burdens, lower and flatter marginal tax rates). ( posted 9/26/14, permalink ) My Grandmother Had The Right Idea: The Vanguard Wellington Fund, the nation's oldest balanced fund, recently celebrated its 85th birthday.
The Wellington Fund began operations on July 1, 1929, just months before the worst stock market crash in U.S. history and the onset of the Great Depression. A young Philadelphia accountant named Walter L. Morgan was its founder and offered a diverse portfolio of common stocks, preferred stocks and high-quality corporate and U.S. government bonds. Despite Walter's awful timing, the groundbreaking fund - originally called the Industrial and Power Securities Company - hung on, thanks to Swot Analysis Services, its prudent management, balance, diversification and long-term perspective. But the Wedding, fund ( which was renamed in 1935 for the Duke of Wellington, who defeated Napoleon at Swot Analysis | Cheryl's Waterloo ) didn't simply survive - it thrived. For more than eight decades, Wellington Management Company has served the fund's shareholders well, using the Comprehensive Wedding Checklists (pdf, very same investment principles that guided it through the Great Depression. And those timeless themes still ring true today. Wellington isn't very flashy and gets little notice from those investment gurus du jour. But, as I got older, I began to shift some of my investments away from growth mutual funds into Pharmaceutical Sales Represenative Wellington. Comprehensive Wedding File)! I have not been disappointed.
In the 1950s, my grandmother owned Wellington Fund shares and during her 90-year life, she never ran out of money. Interestingly, an Basketball, investment of of $1,000 in July, 1929 would be worth almost $900,000 today. That's the power of long-term investing. Morningstar rates Wellington as a five-star fund, noting that an investment of $10,000 five years ago is now worth $17,828. ( posted 8-29-14, permalink ) A Voice Of Reason In The Car-Peddling Game: Criticizing longer loan-terms and looser underwriting standards for new vehicle loans, John Mendel, Honda's head of Checklists (pdf sales, said, It's a very, very short-term tactic #x2026; especially in the subprime area, because you not only are pulling sales forward, you're probably pulling people out of Creative used cars into a new car that maybe they can't afford. Stating that the Comprehensive, new car market was near the top, Mendel said that Honda would continue to focus on retail sales, rather than pivot towards more fleet delivers like many of its rivals do. Honda incentives are typically less than those of other auto manufacturers. Near the top?
Very possibly so. The latest second-quarter 2014 data from On Pinterest Patterns Experian, the global financial/credit information services group, was released this week; key metrics like repossessions, loan delinquencies and outstanding balances have all seen increases. Comprehensive (pdf! Auto loan balances are at a new high. Outstanding balances were up nearly 12%, rising to an all-time high of $839.1 billion dollars. 60-day delinquencies were up 7%, while 30-day delinquencies were up to Implementation Template - Apigram.com, 2.4% year over year. Wedding (pdf! Repossessions were up by 70% in the same time period. Meanwhile, Toyota will happily finance your new car purchase for 75 months, at 21.40% interest, if your FICO score is Calendar, 520. People with scores that low are the ones in Comprehensive (pdf File), line in front of you at a convenience store, buying chewing gum with a Visa debit card. Or an EBT card.
Seventy-five months - are you kidding? Oh well. At least it's not a Fiat they're financing. I don't think those crapmobiles will last 6-plus years. ( posted 8-25-14, permalink ) Change Happens: Mark Perry of AEI noted that 88% of the companies on the 1955 Fortune 500 list have either gone bankrupt, merged, or still exist but have fallen from the top Fortune 500 companies ( ranked by total revenues ). Most of the companies on the list in 1955 are unrecognizable, forgotten companies today (e.g. Armstrong Rubber, Cone Mills, Hines Lumber, Pacific Vegetable Oil, and Riegel Textile). Also gone from the list: American Motors, Brown Shoe, Studebaker, Collins Radio, Detroit Steel, Zenith Electronics, Rohm and Haas and National Sugar Refining.
All the companies I worked for are gone ( bankrupt, merged out of Plan Template existence, etc. ). Same for Comprehensive, my dad and both of Swot Analysis | Cheryl's Creative Services my grandfathers. ( posted 8-25-14, permalink ) Lost In The Amazon: The online retailer released its quarterly earnings last week. Revenues are rising but expenses are going up even faster. Shipping expenses are up 30%. Marketing is up 40%. International is slowing - it's up 18% on sales while domestic is up 26%. Operating margin is negative. Amazon makes almost nothing on Checklists, sales other than media. Basically, they sell things like electronics at break-even. Back in 2014 Keepsake, 2000, Amazon booked almost $3 billion in Wedding File), revenues, but was losing lots of money. Jeff Bezos, founder and CEO of Amazon.com - who looks more like Ben Kingsley with every passing day, claimed that the firm was still ramping up. How can you be still in Best Photos, ramp-up mode as a multi-billion dollar entity?
After seven years of straight losses, Amazon finally posted a very small profit in 2003 - about .02% before taxes on over $5 billion in sales. Like the discount stores of the 1950s and '60s, ( E.J. Corvette, Two Guys, S. Comprehensive Wedding Checklists! Klein, etc. ), margins and Math On Pinterest | Math profits were always low. And you know what happened to those guys. Amazon's shares fell 9.6% last Friday, wiping out about $16 billion of value. The company has now fallen short of Wall Street's earnings expectations in seven of the Wedding Checklists (pdf, past nine quarters. Plan Template! Perhaps worse, it predicted an operating loss of up to $810 million for the current third quarter, the biggest quarter-on-quarter reversal in profitability since 2003.
It does get frustrating when they continue to spend quarter after quarter and they don't let the revenue flow through, said Michael Scanlon, who manages $3.5 billion at Manulife Asset Management and holds shares of Amazon. I'm definitely ready for profits. My advise: Buy 'stuff' from Amazon if you want but don't buy the stock. ( posted 7-30-14, permalink ) The Trouble With China: In a recent issue of Model Auto Review , a model car manufacturer wrote about the Comprehensive Wedding (pdf File), problems with producing diecast models in China. China is emerging as a world power and, like most growing economies, its cost structure is rising. Best Contractor Template! China has now ruled that workers must get an annual salary increase of 15% and Comprehensive Wedding this is adding to the cost of product.
The Chinese government has ruled that major industries such as mobile phones, computers, and iPads get priority for Swot Analysis Services, land space and other less-clean industries such as diecasting must move location. This all adds up to increases in Comprehensive Wedding File), price of product and delays in Math, delivery. Another model manufacturer wrote, The lack of skilled workers in Comprehensive, China is still the And Selection Of A Pharmaceutical Sales (d…, big factor restricting manufacturing capacity and causing delays. Five years ago, the Comprehensive File), German firm Minichamps offered very nicely made diecast 1:43 scale Chinese-made models for $22-30. Today's Minichamps models carry price tags of $55-95. Ixo models have more than doubled in price over the last few years. Lower-end diecast model manufacturers, such as Yat-Ming, are raising prices rapidly as well. In many sectors of manufacturing, production and shipping costs in the Far East now outweigh costs to make the same item in the U.S.
When you take into account shorter lead times, the ability to Plan Template Microsoft - Apigram.com, switch production to a different product if you own the Comprehensive File), factory, rather than being contracted to a Chinese supplier, and the sales benefit of a 'Made in Swot Analysis | Cheryl's Creative Services, USA' sticker, there is Comprehensive Checklists (pdf, starting to be a good business case for bringing some manufacturing back home. 40 Best Math - Patterning Images On Pinterest | Math! ( posted 1-31-14, permalink ) Book Review: 'Bull By The Horns: Fighting to Save Main Street from Comprehensive Checklists Wall Street and Keepsake Wall Street from Itself' by Sheila Bair. As former Chairman of the FDIC ( Federal Deposit Insurance Corporation ), Bair had a somewhat prominent role in the government's response to the financial crisis of 2008, including bolstering public confidence and insuring system stability that resulted in no runs on commercial and thrift bank deposits. While the book offers a detailed - too detailed and off in Checklists (pdf, the weeds sometimes - story of the Recruitement And Selection Sales Represenative, meltdown of Comprehensive Checklists (pdf File) Wall Street's largest institutions and Swot Analysis Creative Services the bailouts made to them, there was . Comprehensive File)! ( more ) Anemic Recovery Blues: Bill McBride of Calculated Risk has posted an updated graph comparing job losses and recovery rates for various post-WWII recessions. The graph shows the job losses from the Of A Sales (d…, start of the employment recession, in percentage terms . aligned at maximum job losses. As the File), graph clearly indicates, this is the worst recession since World War II - by a long shot - in both depth and duration.
This time, the economic recovery graph is not the Swot Services, historical bounce-back V-shape we're used to seeing but rather a lame, check mark-shaped one. In early 2012, I predicted that employment would not reach pre-recession levels until 2014. If you project the current graph line, it looks like the crossover point will be in April 2014. That would make the job loss-recovery cycle a record 77 months - almost six and one-half years. The previous record time span was for the 2001 recession, which clocked in at 46 months and was lambasted by Comprehensive Wedding Checklists (pdf File) Democrats as a 'jobless recovery'. Recruitement And Selection Of A Pharmaceutical Represenative (d…! Hmmmm. Wedding File)! What will they call this one? Why is it so different this time around? I would posit that we have been subjected to The Perfect Storm.
This is what happens when you run your banking system like a dysfunctional three-card monte game, outsource all your subassemblies to Asia, close plants in Indiana and Michigan and move production to Mexico, close the tech support center in California and open one in Bangladore . and Photos Contractor Invoice vote for politicians who enact policies which make the File), aforementioned business actions the sensible thing to do. As Scooby Do would say, Ruh-roh! Consider the following: #x2022; The increased use of online sales and service functions means that clerical and support positions are going away. Such jobs used to provide a very decent living for earnest, smart high school grads and college graduates with unmarketable degrees ( Humanities, Social Studies, Poetry, Music, et al ). This is the dark side of productivity. When you can post your inventory on Best Photos Of Free - Contractor, the web for prospects to browse and select, you no longer need support staff to answer phones and say, Let me check our inventory list for you.
#x2022; Then there's the Comprehensive Wedding Checklists, proliferation of outsourcing/offshoring. Faced with ever-increasing labor regulation, upwardly spiraling health care costs and the like, many companies are reducing their workforce by subcontracting - often overseas. #x2022; The annual cost of all mandated Federal regulations for firms with less than 20 employees is estimated at almost $8,000. This does not include the added cost of training poorly-educated, near illiterate graduates - products of our failing unionized education system, which turns out near-illiterate slackers with little knowledge and even less work ethic. Images Patterns! This encourages businesses to automate or outsource. #x2022; Many of those who have not experienced offshoring end up as freelancers with no benefits or job security.
Popular alternative euphemisms include 'contingent worker' and 'temp independent consultant'. This is the new workplace world and it means that many well-educated, middle-class folks are now finding themselves 'underemployed', with reduced hours and little if any job security. Much like ditch diggers in 1913. #x2022; In the past, technological changes simply shifted opportunity within the U.S. As farm jobs were eliminated by mechanization, factories hired more. As factories increased productivity and moved work offshore, more Americans turned to Comprehensive, lower-pay jobs in health care and other services. But nothing in any economic database indicates that the supply and demand for workers will intersect at a wage that is And Selection Sales Represenative (d…, socially acceptable. Therein lies the problem: crappy pay, limited career opportunity and little job security - another Perfect Storm brewing. To be sure, low-paying jobs in restaurants, nursing homes and health clubs are hard to Comprehensive Checklists (pdf File), automate or outsource and will probably always be around.
But how do we make America the Land of Opportunity again? There are no easy answers. But voting out all social liberals who favor onerous, womb-to-tomb entitlement programs and business-killing regulations and then replacing them with fiscal conservatives would be a good start. ( posted 11-15-13, permalink ) Off-Target: A target-date fund - sometimes called a life-cycle fund - is a mutual fund which uses a time-variable ratio of stocks to bonds. It's a mindless sort of investment which gradually shifts its holdings towards bonds as an Keepsake Calendar, investor's age climbs. Target-date funds are aimed at retirement plans and have appeal because they offer a lifelong managed investment strategy so should remain appropriate to an investor's risk profile even if left accidentally unreviewed. Ummmm . if you're 'accidentially' not reviewing your portfolio on a fairly regular basis, you're an idiot. There is an old saw that you take your age and subtract it from 100. The remainder is the percentage of stocks which should be in Comprehensive Wedding (pdf, your investment portfolio. Basketball | Design | Pinterest! So if you're 65, you should have 35% in stocks and the rest in bonds.
Such a simplistic formula may have been relevant a half-century ago but the bond markets of recent years are not always the safe harbor they used to Wedding Checklists, be. Implementation Template Microsoft - Apigram.com! Bond-heavy portfolios seem to be a bad bet these days. Comprehensive! Consider the annual returns on these Vanguard mutual funds over various time periods: I'm not a subscriber to Calendar, the Lotsa Bonds For Geezers school of Comprehensive Wedding Checklists File) thought but I am of the opinion that as one ages, one should move one's portfolio away from high-risk, volatile stocks into more conservative equity investments. With a few bonds thrown in for good measure. It seems that I'm in Calendar, the minority these days. According to a recent Morningstar article, target-date funds have won the day. Almost unanimously, plan sponsors are selecting target-date funds as the repository for automatically enrolled monies (at Vanguard, the figure is Checklists (pdf File), 90%). With those assets growing, and target dates remaining popular with investors who make active investment choices, target-date funds are becoming very popular indeed. Half of 40 Best - Patterning Images | Math Vanguard's participants use target-date funds in some fashion. Many own either multiple target-date funds or a target-date fund plus other types of funds, which isn't how target dates were designed to be used but is mostly harmless. (Having several target-date funds makes for a blurry picture, but the performance tends to be pretty much like that of the middle fund in the series.) The other half, or 27% in total, own nothing but a single target-date fund.
In 2007, that figure was 13%. Not me. I'll set my own targets. I'm still over 85% invested in equities ( mostly mutual funds ); the balance is in cash and bonds - even though the numbers crunchers at one of my mutual fund companies thinks that I should have 55% of Comprehensive Checklists (pdf File) my money in bonds. No thanks. ( posted 10-31-13, permalink ) Nothing Has Been Solved: The alleged 'resolution' of the debt crisis is nothing more than kicking the can down the road. And failing to turn down the spigot: No steps have been taken to reduce our ever-increasing debt, which is rising at an alarming rate. Keepsake Calendar! Daniel Halper of The Weekly Standard has pointed out that the debt has increased twice as much as the economy over the last two years, the very definition of unsustainable.
The growth of a nation's debt cannot for long exceed the growth of its economy - which is Wedding (pdf, precisely what is happening now. | Cheryl's! Political wrangling has trumped common sense. Brit Hume of Fox News said recently, In conventional terms, it seems inexplicable, but Senator Cruz and his adherents do not view things in conventional terms. They look back over the past half-century, including the supposedly golden era of Comprehensive Wedding (pdf Ronald Reagan, and see the uninterrupted forward march of the American left. Entitlement spending never stopped growing. The regulatory state continued to Sales (d…, expand. Comprehensive Checklists (pdf File)! The national debt grew and grew and finally in Recruitement And Selection Of A Pharmaceutical, the Obama years, exploded. Comprehensive Checklists (pdf File)! They see an American population becoming unrecognizable from the free and self-reliant people they thought they knew. And they see the And Selection Pharmaceutical Sales Represenative (d…, Republican Party as having utterly failed to stop the drift toward an unfree nation supervised by (pdf an overweening and bloated bureaucracy. They are not interested in Republican policies that merely slow the growth of this leviathan. They want to Math On Pinterest | Math Patterns, stop it and reverse it.
And they want to show their supporters they'll try anything to bring that about. Keith Koffler commented on the D.C. state of dysfunction brought to you by the 'reasonable' people who have been striking deals for Checklists (pdf File), years that have created $17 trillion in debt and a possibly irreversible degree of Socialism that is lobotomizing our tradition of independent thinking and creativity, crippling free enterprise, and carving the soul out of the moral, God-fearing ethic that has made this nation the greatest on earth. You'll see them all on the Sunday talk shows, concurring solemnly with each other about the Analysis Creative Services, need to avoid such shenanigans again so our system can resume functioning in a normal manner. But as you and I know, 'normal' has become a state of somnolence in Comprehensive Checklists (pdf File), which our leaders steadily sleepwalk us into Analysis | Cheryl's the abyss. Comprehensive Wedding Checklists (pdf File)! We must cut spending. Here are some facts to consider: #x2022; Salary of Analysis | Cheryl's Services U.S.
President: $450,000 for life. #x2022; Salary of Checklists File) House/Senate Members: $174,000 for 40 Best Math - Patterning Images Patterns, life. #x2022; Average salary of soldier deployed in Afghanistan: $38,000. #x2022; Average annual payment for seniors on Social Security: $14,760. Now you know where to begin. Comprehensive Wedding Checklists (pdf File)! At the Swot Creative Services, top.
The next step would be to resurrect Paul Ryan's debt reduction plan, known as Path to Prosperity. Wedding Checklists (pdf File)! Or Simpson-Bowles, a bipartisan commission created by 2014 Keepsake President Barack Obama, whose recommendations were completely ignored by him and his cohorts in the Democrat-controlled Congress. ( posted 10-18-13, permalink ) Book Review: 'Circle of Friends: The Massive Federal Crackdown on Comprehensive Checklists (pdf, Insider Trading - and Why the Markets Always Work Against the Best Invoice, Little Guy' by Comprehensive Charles Gasparino. As senior correspondent for the Fox Business Network and the Fox News Channel , Charles Gasparino is 40 Best Math - Patterning Images | Math, a familiar name and Wedding (pdf File) face to Analysis Creative Services, many. File)! He reports knowledgeably on major developments in the world of Calendar finance and politics and Comprehensive Wedding (pdf File) is a former writer for the Wall Street Journal . The author relates the story of government investigators and prosecutors as they pursue one of the most aggressive and broad-reaching - perhaps overreaching . at great expense to taxpayers - series of insider-trading cases in the nation's history. Caught in the net were some of the biggest names on Wall Street, including Raj Rajaratnam, founder of the Galleon Group, and Rajat Gupta, a former CEO of consulting giant McKinsey Co and financial impresario Steve Cohen of SAC Capital a giant hedge fund. I Am Becoming My Grandmother.
The Wellington Fund turned 84 years old in Best Invoice Template - Contractor, July. Comprehensive Wedding Checklists File)! Now the Swot, nation's oldest and largest balanced mutual fund, its inception was just before the Comprehensive Wedding Checklists (pdf, 1929 stock market crash and the Great Depression that followed. Talk about And Selection Pharmaceutical (d…, bad timing. A young Philadelphia accountant named Walter L. Morgan was its founder and offered a diverse portfolio of common stocks, preferred stocks and high-quality corporate and U.S. government bonds. Despite a rocky ( How about 'cliff-like'? ) investment climate during the Comprehensive Wedding Checklists (pdf File), fund's formative years, Morgan's conservatism and balanced approach paid off. Wellington Fund has produced an 8.2+% average annual return since its 1929 inception and has paid an uninterrupted string of 336 quarterly dividends. Over the past ten years, its overall performance has been significantly better than the SP 500. Yet it is Basketball Flyer | Design Away | Pinterest | Logos, far less risky and does not drop precipitously during stock market contractions. Wellington isn't very flashy and gets little notice from Wedding Checklists File) those investment gurus du jour.
As I got older, I began to shift some of 2014 Keepsake my investments away from growth mutual funds into Wellington. Comprehensive Wedding File)! I have not been disappointed. But I feel like a geezer . Template - Contractor! my grandmother owned Wellington Fund shares in the 1950s. During her 90-year life, she never ran out of Comprehensive (pdf money. ( posted 9-26-13, permalink ) Big Book: Many years ago, the Implementation Template - Apigram.com, Sears catalog was marketed as The Big Book. Now that Sears is out of the catalog biz, the title should be awarded to Comprehensive (pdf, the 580-page Uline catalog. I spent many hours pouring over Best Of Free Contractor Invoice Template the latest edition, finding it interesting, informing and, frankly, entertaining. Uline, a privately-held, family-owned business, is the Comprehensive Wedding Checklists, leading distributor of shipping, industrial and Recruitement Of A Sales (d… packaging materials to businesses throughout North America. The catalog contains all sorts of things, including cardboard shipping containers, plastic bags, janitorial, retail store fixtures, excelsior, boxes for Comprehensive Wedding, unicycles and Best Of Free Template - Contractor even its own brand of Comprehensive Wedding (pdf gourmet coffee. In the late 1980s, my manufacturing company was shipping 250-300 boxes of merchandise per day, so we used a lot of cardboard, foam peanuts and Of A Pharmaceutical Sales other packaging materials.
Uline wasn't a supplier for us in those days; it was a strictly a Midwest firm which had been founded in 1980. Today, the company has 10 warehouses across North America and claims that, if you place and order by 6:00 pm, Uline will ship the same day. The catalog states, 99.5% of our orders ship the same day, with no backorders. Checklists (pdf File)! This is pretty amazing, considering that the firm stocks over 27,000 different items. Plan Template Microsoft! None of Comprehensive Checklists our company's packaging suppliers could deliver that fast and none of them carried as complete a line of shipping supplies as Uline. By comparison, my plastics firm stocked 525 different items and offered 48 hour shipping - a speed which was considered near-miraculous in Plan - Apigram.com, the 1980s display industry. Comprehensive! Our competitors delivered in four weeks to never according to one of my customers. Uline was started by Liz and Dick Uihlein in their basement.
The firm's 200,000 sq. ft. Pleasant Prairie, WI corporate headquarters features an attached one million square-foot distribution center. Uline employs 2,500 people. In these times of government-subsidized, failing corporate entities, it is wonderful to learn about 2014 Keepsake, a company which has succeeded due to Wedding File), hard work, street smarts and Photos Invoice Template - Contractor the tenaciousness of the owners. ( posted 8-28-13, permalink ) The Truth About Tesla: The megahyped electric car start-up received the $465 mm loan from DOE, but it also benefits from a $7500/car federal subsidy for electric cars. Moreover, it benefits from the State of California's Zero Emissions Credit program. In its infinite wisdom, CA mandated that all the major auto companies sell a certain number of zero emissions vehicles. Comprehensive (pdf! If they don't they have to buy credits from companies that do make them-namely, Tesla.
This was also essential in putting the company in Creative Services, the black in Q1, and the company is sitting on $250 mm worth of these credits. IOW, Tesla's profits are courtesy of you, the taxpayer-and also courtesy of the shareholders of Ford, GM, Toyota, Honda, etc. You have to give Elton Musk credit; he's good at selling grandiose dreams to idiots. Now, he's pushing Hyperloop, a solar-powered, city-to-city elevated transit system that could take passengers and cars from Wedding Checklists (pdf File) Los Angeles to San Francisco in 30 minutes. Soon he'll have a bridge in Brooklyn he'd like to sell you. ( posted 8-21-13, permalink ) Keep On Truckin': Scott Grannis has noted that the inflation-adjusted value of U.S. Swot Analysis | Cheryl's Creative! equities has closely tracked the amount of tonnage carried by U.S. trucking services, according to Checklists, data compiled by the American Trucking Association.
Truck tonnage is a reasonable proxy for the size of the economy, so it makes sense that as the economy expands the value of U.S. businesses should rise. 40 Best - Patterning Patterns! At times stocks appear to overshoot or undershoot truck tonnage, but that is likely due to the vagaries of Wedding (pdf File) human emotion which tend to magnify the ups and downs of the Plan - Apigram.com, business cycle. When my dad worked for the railroad, he would predict economic downturns based on railcar shipments he had to deliver. Comprehensive Wedding Checklists! His forecasts were uncannily accurate and ran about six months ahead of Basketball | Design | Pinterest | Logos media reports. Rail shipments as economic indicators may not be as relevant today. The proliferation of Wedding (pdf File) Interstate highways facilitated fast delivery of goods by truck and essentially killed off the LCL ( less-than-carload ) rail shipment market. Almost all large U.S. railroads now focus on long-mileage, point-to-point haulage of carload lots of merchandise. ( posted 8-21-13, permalink ) The Truth About Amazon: Last week, Karl Denninger wrote, Amazon makes almost nothing (gross margin) on sales other than media. Basically, they sell things like electronics at effective break-even. . See, this is the problem with the company - it makes money selling media (of various sorts) but not anywhere else. Last quarter I identified a monstrous slowdown in 2014 Keepsake, international media sales growth - and Comprehensive Wedding Checklists let's remember that international is 40% of the Recruitement Pharmaceutical (d…, company's gross.
But international sales are down and U.S. sales growth is on the decline. Comprehensive (pdf! This quarter, international media went into contraction. So you have a company that makes no money selling tangible goods (ex books, CDs and DVDs) and all of | Design | Pinterest | Logos its profit is in media sales. Yet media sales growth is down by Wedding Checklists (pdf File) nearly half y/o/y in the US and Basketball Away is negative ex-US. I've bought merchandise - mostly books - from Checklists (pdf Amazon but I've never understood its revenue model. Back in 2000, Amazon booked almost $3 billion in revenues, but was losing lots of money. Jeff Bezos, founder and CEO of Amazon.com - who looks more like Ben Kingsley with every passing day, claimed that the firm was still ramping up. How can you be still in ramp-up mode as a multi-billion dollar entity?
After seven years of straight losses, Amazon finally posted a very small profit in Swot, 2003 - about .02% before taxes on over $5 billion in sales. Like the Comprehensive Wedding Checklists, discount stores of the Photos Contractor, 1950s and '60s, ( E.J. Corvette, Two Guys, S. Comprehensive Wedding (pdf! Klein, etc. ), margins and profits were always low. And you know what happened to those guys. Denninger concluded, Amazon, in a declining growth environment with their profit center ex-U.S. gone (no growth) and deteriorating in the US despite all their spending is a company that is Keepsake, effectively worth its book value on PPE and cash. Which is $30/share, more or less. Amazon currently trades at over $300 per share. I wouldn't recommend it for Comprehensive Wedding File), your retirement portfolio. Swot Analysis Creative! ( posted 8-12-13, permalink ) Replacement Orb: Ben Bernanke is retiring as Fed Chairman and people are speculating about his successor. I vote for the Magic Eight Ball.
It requires no salary and Comprehensive Wedding provides impartial, Solomon-like economic advice. Would the Senate confirm the Ball? All Signs Point To 'Yes' . ( posted 8-2-13, permalink ) Latest Economic Word: According to Dave Leggett, German Chancellor Angela Merkel has apparently become fond of a rather crude English language term that is becoming so popular in Swot Analysis, Germany that it has now been inducted into their equivalent of the Oxford English Dictionary, the Duden. The word: 'shitstorm'. Comprehensive File)! German language experts voted it 'Anglicism of the year' in 2012 and the Eurozone's economic crisis seems to 40 Best Math - Patterning Images | Math Patterns, have propelled the word into Wedding Checklists (pdf File) wider usage in Germany. Best Photos Template! Auto sales in Wedding Checklists (pdf File), Europe are at their lowest in 20 years.
Europe's economy remains in the Dumpster. Great Britain didn't become a European Union member and | Design Away | Logos its economy is in much better shape. Germany is the strongest of the EU countries and Wedding (pdf File) its citizens are tired of bailing out weaker, often lazy 'partners'. Before the European Union, cars and other goods were protected by Flyer | Design | Pinterest tariffs. Wedding Checklists (pdf! That's why you'd see mostly Volvos and Saabs in Sweden, Fiats and Alfas in Italy and Fords and Vauxhalls in Great Britain. Calendar! When EU got tariffs dropped, many of the local favorites couldn't stand up to Comprehensive Wedding Checklists (pdf File), the invasion of 'foreign' brands which were better and Math Images On Pinterest Patterns now price competitive.
Volvos and Saabs couldn't make it without protectionism. People in Comprehensive Wedding File), Italy shun Fiats these days, considering them inferior to other European brands, which are now price-competitive. PSA Peugeot-Citroën is requesting a bailout because of declining sales and profits, as Frenchman happily drive Skodas and 2014 Calendar other eastern European offerings. GM's Opel and Vauxhall struggle as well, while Ford has ceased making vehicles in England. Neither firm had a coherent world export program for their Euro-made vehicles. Germany has withstood the vagaries of the Wedding Checklists (pdf, EU quite well because manufacturers have long become experts in exporting. Mercedes and Volkswagen have had strong export marketing programs since the end of World War II and have become worldwide powerhouses. Best - Contractor! Porsche and BMW quickly followed.
Jaguar and MG were strong exporters in the early postwar days but faltered in the 1970s, due to dull products and quality issues associated with their merger into British Leyland . ( posted 8-1-13, permalink ) Execrable Economist: I have always enjoyed Scott Adam's 'Dilbert' strip and Comprehensive (pdf File) had a really good laugh at a recent cartoon featuring a short, bearded, obnoxious Nobel-winning economist who looked suspiciously like Paul Krugman. Kevin D. Williamson of National Review has said, Ask a conservative who is the worst and most destructive writer on Best Of Free Template, the subject of Comprehensive Checklists economics, and the answer is bound to be Paul Krugman. The diminutive economist and op-ed columnist for the New York Times seems to 2014 Keepsake, be wrong much of the time. In 1998, he wrote, By 2005 or so, it will become clear that the Internet's impact on Comprehensive File), the economy has been no greater than the fax machine's. In August 2004, Bill O'Reilly really cleaned Krugman's clock on Tim Russert's interview show on CNBC . Krugman was so shaken - or enraged - or both - that, at one point, his quivering hands could hardly fit the cap back on his pen.
And he was sweating like Roman Polanski at a Girl Scout jamboree. O'Reilly's style is often too bombastic for me but he was terrific on Best Photos, Russert, giving prophet-of-doom Krugman several well-deserved rhetorical punches in Wedding Checklists (pdf File), the nose. Back in 2005 - when times were pretty good, Krugman was the eternal pessimist. At the time, tongue firmly in cheek, Jonah Goldberg remarked, I could have sworn, reading Paul Krugman, that we were hair's width from a barter economy, where we eat grass and wake up to the sound of Plan Template Microsoft - Apigram.com bring out your dead! every other morning. In 2005, Former CBS News correspondent Bernard Goldberg wrote a book, '100 People Who Are Screwing Up America.' Guess who made the list? Paul K.
Krugman hates Wal-Mart, claiming that America's largest employer destroys jobs. He admits to being an unabashed defender of the welfare state. Pauly K really does belong in the comics section of a newspaper. ( posted 6-24-13, permalink ) Paging Mr. Ponzi: Recently, Malcolm Berko wrote, Stop referring to Social Security as an entitlement. SS is not an entitlement. Every time you or your spouse earned a paycheck, the employer sent Social Security 6.2% of Comprehensive Wedding Checklists (pdf it to an account under your or her name. And each time you or your spouse earned a paycheck, the employer also sent SS a matching amount to your account.
That's 12.4% per paycheck, and your spouse never received a shilling of it. Implementation Plan Template - Apigram.com! You earned it! You paid for it! It's your money! It's not an entitlement!
The word entitlements is Comprehensive Wedding (pdf, government-speak for Recruitement And Selection Of A Pharmaceutical, the federal programs from which lots of folks receive support that they don't pay for. However, Congress is ill-advised to call Social Security an entitlement. Calling SS an Wedding Checklists, entitlement is purposefully disparaging and places it on the same common field as food stamps, job training, free cellphones, etc. The latest federal trustees' report projects that Social Security will be flat broke by 2035. Microsoft - Apigram.com! The Social Security program faces $9.6 trillion in unfunded liabilities over the next 75 years, which is Comprehensive (pdf File), up $1 trillion from last year's projection of Images On Pinterest Patterns $8.6 trillion. I paid into Social Security my entire working life, starting when I was 15 years old.
Social Security is a promised annuity, which is greatly underfunded. All of the money paid in by a younger generation is immediately paid out as obligations to an older generation. In the private sector, this is known as a Ponzi scheme. ( posted 6-4-13, permalink ) Golden Cliff: Gold, the shiny commodity which sold for almost $2,000 per ounce a couple of years ago, has crashed. Scott Grannis has written, It looks like gold is on its way to re-linking to commodity prices, with a likely price target of $900-1000/oz. Maybe even lower, since overreaction at both ends of the scale is not uncommon in Checklists (pdf File), commodities markets. In late 2008, gold began to overshoot commodity prices. Call it an end of the world as we know it trade. 40 Best Math! Gold was reacting to fears that the Comprehensive Wedding, world's central banks were engaged in a massive money printing scheme that would result in hyperinflation, and/or a global currency collapse. Gold was also propelled higher by the Eurozone sovereign debt crisis, which many thought would lead to the demise of the Euro, and by fears of exploding sovereign deficits that might inevitably be resolved by a big increase of inflation. Away | Pinterest! Nevertheless, Monex is still running those gold-pushing television commercials, featuring the Comprehensive Wedding (pdf File), blonde spokeswoman with the upper-class British accent.
She is an Australian actress named Ros Gentle. Her talents have been featured in over 100 commercials and 35 infomercials in the U.S. and elsewhere. She has the uncanny ability to shed her Australian accent and mimic a stately Her Majesty's English, Cockney and Recruitement Pharmaceutical Represenative a variety of American regional dialects such as Deep South. Wedding Checklists File)! ( posted 5-1-13, permalink ) More 'Finance the Economy' postings can be found here. Other Pages Of Interest. copyright 2013-14 - Joseph M. 40 Best Math - Patterning On Pinterest | Math! Sherlock - All applicable rights reserved. The facts presented in this blog are based on my best guesses and my substantially faulty geezer memory.
The opinions expressed herein are strictly those of the author and are protected by the U.S. Constitution. Probably. Spelling, punctuation and syntax errors are cheerfully repaired when I find them; grudgingly fixed when you do. If I have slandered any brands of automobiles, either expressly or inadvertently, they're most likely crap cars and deserve it.
Automobile manufacturers should be aware that they always have the option of trying to change my mind by providing me with vehicles to test drive. If I have slandered any people or corporations in this blog, either expressly or inadvertently, they should buy me strong drinks (and an Comprehensive Wedding (pdf File), expensive meal) and Swot try to prove to me that they're not the jerks I've portrayed them to be. If you're buying, I'm willing to listen.
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anime college essays Learn about Japan, Anime, and Culture. Japan, Anime, and Manga Essay Ideas for Homework Assignments. It is that time once again: back to school. That means essay writing! Part of the librarian profession is offering research help and writing instruction for (pdf, high school and college students. Librarians are teachers at the core of the Recruitement Of A Pharmaceutical Sales Represenative (d…, profession. So, it is time I did my part! This article will give you ideas for future writing assignments and show you how to read (and use) references and citations. I will provide writing ideas and links to articles relating to the topic. You are welcome to cite me; however, I have already done some of the research legwork in my short bibliographies. I hope the Wedding Checklists File), articles will provide a good spring board for your essay assignments.
Understanding and Using Citations. Implementation Template! JP uses a loose form of citation based on APA (American Psychological Association) citation. Comprehensive Wedding! The citation format emphasizes the date of the article. Author, A. A., Author, B. B., Author, C. C. (Year). Title of article. Title of 2014 Calendar, Periodical, volume number (issue number), pages. http://dx.doi.org/xx.xxx/yyyyy. By the way, that url looking thing is called a Digital Object Identifier. Comprehensive Checklists! It works like a blog post#8217;s permalink. You can paste the DOI at this website to link to the article. For example this citation: Suzuki, Michiko (2006).
Writing Same-Sex Love: Sexology and Literary Representation in Yoshiya Nobuko’s Early Fiction. The Journal of Asian Studies. 65. p.575. doi:10.1017/S0021911806001148. Basketball Away | Pinterest! You can paste that gobblygook (excluding the period) after doi: into the website to Comprehensive Wedding Checklists, find the article. Give it a try! Why not use a regular hyperlink? Well, DOI links do not change even if the location of the article changes. Hyperlinks, as we all know, can break. It is a true permalink.
Most citations have the same components as APA. There are many styles with APA, Chicago, and MLA being the most common. The point of 40 Best - Patterning | Math, citations isn#8217;t to protect you from plagiarism. The point is to make it easy to find the articles. One of the easiest ways to search articles using citations is to use the author#8217;s last name with a part of the title in quotation marks. This works in Google and in Comprehensive Checklists most library databases. Recruitement Of A Sales (d…! For example typing the following into Google: Suzuki #8220;Writing same-sex love#8221; Will give you the article on the first page (in the (pdf File), second link when I did it). Citations also give you the journal or periodical name. You can search for Best Contractor Invoice, that journal, narrow the list down to Wedding (pdf, the issue and volume, and find the article that way. Quotation marks around anything in search engines tells the software to use #8220;all of these words#8221; as a single unit. Plan Microsoft! You must cite a source whenever you use it.
This includes whenever you paraphrase, use a statistic, or idea. Basically, if it is not from Comprehensive (pdf File) your experience or accumulative knowledge, you need to cite. Quoting is only a small part of citing a source. For example, take a look at this sentence from one of my articles here on JP. 2014 Calendar! Although, the statement does not quote or even paraphrase, I had to cite it because the information was not my own. Guys are expected to be well rounded in art, music, literature, and Comprehensive (pdf more just like in feudal Japan (Sughara, 2002). On Pinterest Patterns! APA uses parenthetical citation. The style you use will vary based on your teacher/professor#8217;s requirements. Do you have the cite after every sentence? What if you are using multiple sources that have similar information? What I tend to Comprehensive Checklists (pdf File), do is to write the paragraph and end with a multiple citation that looks like this: (AuthorOne, 2001; AuthorTwo, 2011; AuthorThree, 2013).
If you start using ascending order of the dates with this method, keep using ascending order each time you do it. If you use descending date order, keep using that order. This method is only recommended for relatively short paragraphs that reference the Photos Of Free Contractor - Contractor, ideas of several authors. With longer sections it is best to cite after each set of sentences that have the (pdf File), author#8217;s ideas. As you can see, citing sources is not really that complicated. Basically, if the Best Photos Of Free Invoice Template, thought is Checklists File), not your own you need to cite it. I can#8217;t know what types of assignments you will have. But I can give you topic ideas that you can fit into the requirements you will have. This idea looks at the history of Geisha and how they have become one of the 2014 Keepsake Calendar, best known symbols of Japan. Geisha are not prostitutes; they are living reservoirs of Japanese culture.
You can look into how Japan might look if geisha did not keep traditional Japanese culture alive. This idea narrows down on the arts of a geisha from their kimonos to kanzashi to the arts they practice. You can relate how geisha are similar to Native American spirit people. Both try to (pdf File), keep their heritage alive. Traditional American Genders Roles vs Traditional Japanese Gender Roles. This topic looks at the similarities and differences between men and women in America and the United States. World War 2 served as turning point for Best Contractor Invoice - Contractor, both cultures. The war changed the roles women played in society, opening the doors for equal voting rights and Comprehensive female careers. The Hypocrisy of - Patterning Images On Pinterest Patterns, Societal Expectations for Women.
This looks at how societies expect conflicting characteristics from women in Japanese (and perhaps American) society. Women are expected to be sexy but those that try are often called sluts. Wedding Checklists (pdf! Japanese women are taught to be submissive but also oversee the household. 2014 Keepsake Calendar! How Anime and Comprehensive Wedding Manga Empower Girls. Look at how anime and manga breaks female gender roles. Using Sailor Moon and Revolutionary Girl Utena . you can write about the how such stories shape self-image. Utena presents an opportunity to explore same-sex relationships between girls. Teen Girl Psychology and Yaoi. This topic looks at Best Photos Of Free Contractor Invoice, how yaoi fills the needs of File), teen girls to be entertained and explore different relationship dichotomies.
It looks at various ways yaoi explores increasing interests in sex and relationships. Character Stereotypes in 40 Best Math Images On Pinterest | Math Anime and Manga. This looks at various tropes found in anime and manga. Wedding File)! You can explore why these stereotypes are common and contrast them against stereotypes found in other comics. Note: These articles are my own thoughts and observations. Sales Represenative (d…! With most of these, I did not research anything with the exception of There is Personality in the Blood . Checklists (pdf File)! These articles might provide a starting place for your own considerations about manga and other literature stereotypes.
Hair Color and Character Stereotypes. Cherry Blossoms as a Symbol of Japan The Invasion of Pokemon and its Role in American Childhood Anime Blogging and Best Photos Of Free Invoice Template How it Improves Writing What it means to be Otaku How Mickey Mouse Changed the Face of Manga Why are American Cartoons for Children and Japanese cartoons for Adults? Moral Lessons found in Anime and Manga An Analysis of Joseph Campbell#8217;s Hero Story and Bleach. Hopefully, this short list of ideas will give you a starting point for your school/college assignments. As a librarian, I am here to help. If you need help choosing a topic (and that can be hard, I know), proofreading, or research help, let me know. Your local librarian is also available to help.
Oh, you are also welcome to send me questions about manga, anime, and Japanese culture. I am open to article ideas. You can also message me on Wedding (pdf JP#8217;s Facebook page. I will do my best to offer help or point you to the information you need. Nintendo: Video Game Savior and Love Hotels? an Calendar, essay question about manga, i want to be able to make a manga production for my practical but my essay must link. If I understand what you are asking: You might be able to combine a manga with a regular essay. Comprehensive (pdf! Use the manga to Basketball | Logos, present extra information or provide examples. Comprehensive Wedding Checklists! can you sent me essay about japan culture , i want a really big event that happen at japan so pls sent me i dont know any culture about japan. One of the | Design, largest events that happened to Japan was when the United States forced Japan out of isolation. Commodore Perry forced Japan to open its borders to trade and Comprehensive Checklists File) normal relations in 1853. Before then, Tokugawa Japan (named after the family that controlled the shogunate, the military power of Japan) was a closed police state.
Commodore Perry#8217;s intrusion led to the collapse of the Tokugawa Shogunate and the modernization of Photos Of Free Contractor Invoice Template - Contractor, Japan. Comprehensive Wedding Checklists File)! This, in turn, laid the foundation for World War II. If you think this will work for your assignment, our article about the event can help you get started with your research. I do not give out essays, but I will help you get started with research. One of the Swot Creative Services, largest events that happened to Japan was when the Comprehensive Wedding, United States forced Japan out of isolation. - Patterning Images Patterns! Commodore Perry forced Japan to open its borders to trade and normal relations in 1853. Wedding File)! Before then, Tokugawa Japan (named after the family that controlled the shogunate, the military power of Plan Template Microsoft - Apigram.com, Japan) was a closed police state. (pdf! Commodore Perry#8217;s intrusion led to the collapse of the Tokugawa Shogunate and the modernization of Japan. This, in turn, laid the foundation for World War II.
If you think this will work for your assignment, our article about the event can help you get started in your research.
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