.... unnecessary taxes and penalties. 1. Recoverable trust as beneficiary. 2. Taking money out before the age of 59 1/2. 3. Penalties for leaving money in too long. Many people often live their lives without considering how they plan to retire. People do not realize that the idea of living solely on the benefits of social security is not realistic. In order to secure a comfortable future, people must have some type of additional income. Sacrificing a small amount of money into an IRA at a relatively early age could make a considerable difference in the lives of people upon retirement. When plann .....

.... ago The Atlantic published an article by the then-managing editor of the Monroe Evening News, Karl Zeisler. In his article "Who Wants Taxes Cut," (October, 1945) Zeisler makes a persuasive argument against the low-tax lobby and the low-tax ethic itself. Zeisler's argument is, in effect, that in government as in business you get what you pay for--and in the case of taxes, he theorizes, the more citizens pay on a local level the more likely they will be to insist that they get their money's worth. Inadequate funding for schools and salaries so low that they fail to attract competent individuals to civil service jobs ultimately cost the cit .....

.... Private medical facilities are available - highly specialized, charging market rate (not latest technology but provides privacy and intimacy). Treatment of a complex ailment in a private institution is more time consuming and expensive. · Economic liberalization : domestic and multinational companies - more competition · Demography : urban, high income as dictated by upper middle class and elite class, neighboring countries. · Psychography : Targeting people who can afford comprehensive high quality service; who are ready to pay more money for the comfort and treatment by more reputed doctors. · Market Growth (income + segments .....

.... developed. The Act of Union, passed in 1841, created the colonies of Canada East and Canada West, and by 1848 the first forms of responsible provincial government had been developed. By 1850 the soon-to-be country had moved from the “traditional� stage to the transitional, or “pre-conditions� stage of development. Talks for unification began to increase, pushed by the British government’s pressure on Canada to form a customs union as well as a failed reciprocity with the United States. As a result, by 1867, the four colonies of New Brunswick, Nova Scotia, Ontario and Quebec united as the Dominion of Canada. As a new nation, the .....

.... through people", an organization has to be able to do a good job of managing their human capital: the knowledge, skills, and capabilities that add value to the organizations. Managers must develop strategies for identifying, recruiting, and hiring the best talent available. Develop these individuals in ways that are specific to the needs of their individual firms, encourage them to generate new ideas while familiarizing them with the company strategies, invite information sharing, and rewarding collaboration and team work. The basis on which compensation payments are determined, and the way they are administered, can significantly af .....

.... people in our country that are still unemployed and/or on welfare. The unemployment rate is as low as its’ been but there are still far too many people in this country without jobs, and so unemployment although diminished recently, still exists. The rate will never drop to zero percent but we can never be satisfied with it, that is there is always room for improvement. In the United States economy, our trade balance is said to be stable at this juncture, however because so many other countries are suffering from economic problems, we cannot export as many as our goods as we’d like to, to these other countries. We are not receiv .....

.... the same job could be preformed by three robots in a time cycle of 38 seconds per each tape recorder assembled. This would increase our production of the product by approximately 140 % in the same time frame that we are currently operating. The analysis shows that the operation will take three robots to do the required task in the shortest amount of time. The whole work cell will be designed so that the assembly line will be both continuous and synchronized. I am assured that the floor space now available will be more than adequate and could even be reduced by approximately 50 % of the space now allocated to production, upon completion .....

.... rules into agreement. Finally, in a free trade area participants agree to trade among themselves without tariffs or trade restrictions. This free trade area is the most important goal that NAFTA is trying to acheive. Since its creation in 1994, NAFTA has been a huge success for all three countries involved. Trade has become much easier and has increased tremendously between these countries. For example, after NAFTA’s first year in existance, trade between the United States and Mexico increased by over sixteen billion dollars. Also, several American franchises such as McDonalds and others have moved into Mexico and Canada. NAFTA .....

.... had a few experiences where I have felt that I haven't been treated properly or fairly by store employees. Most of the time I've been able to find another person to help solve my problem and I was able to walk away a satisfied customer. There are some instances when I have consciously went to a competing business, because of the way I was treated. I know I am not the only person who does this, so I feel it is very important to have a work force that helps market your products, by being friendly and knowledgeable. This will prevent customers from turning away from your products and services. Ask your workers if they would rec .....

.... responsible for millions of dollars in equipment, money, or lives. Workers on drugs are not alert and uncoordinated. Uncoordinated workers on an assembly line have a higher percentage of error than their sober counterparts making for defective parts and merchandise which will be returned by irate customers. This will cost a company in worthless merchandise and unhappy customers who most likely will not use their products again. A worker with a drug problem also misses more days, on sick leave, compared to a worker without a drug problem. The most logical reason for drug abuse is the accessibility of drugs at work and in society. If d .....