.... over time, in fixed payments. Mortgages, a debt owed on real property, are the latest form of installment debt. Other forms include automobile loans and credit card purchases. Just pick up the newspaper any time after Christmas and you will find articles on managing your mounting debt from Christmas. Not realizing the extent of the consumers' debt is one of the most common types of credit problems. Denial may play a partial role in this problem, but the lack of education seems to be the largest reason for consumer debt. Credit card use is up 20% and a large number of Americans do not know the percentage rate at which the credit card compan .....

.... administration costs. * The removal of taxes on business inports and exports. * Guarantee the consumers the fairness of the GST implementation. * Increase the Real purchasing power of consumers.('Tax Reform. Not a new tax. A new tax system', from the Regulation Impact Statement for the Introduction of a Goods and Services Tax). The Goods and Services Tax is the necessary change that Australia needs for a new tax reform. Australia's current taxation system is complex, unfair and in need of a quick replacement due to it being out-of-date. The current taxation system incurrs both economic and social disadvanta .....

.... AT+T Solutions consulting services and the AT+T Universal Card. AT+T has a very strong global presence tha t dates back to 1882 when it opened a plant in Antwerp ,Belgium. AT+T has approximately 51,000 employees based outside of the United States.In 1994, International revenues alone were 25 percent. You can see why AT+T has a presence in nearly 100 countries around the world, and does business in about 200 countries. In the last fifteen months AT+T has split into three separate companies. They are AT+T, a global communications company; Lucent Technologies, a technological company; NCR Corporation, a computer company. The new AT .....

.... Eventually certain type of manufactures thought of the idea of bypassing wholesalers, retailers and using catalogs. Mail orders and pamphlets appeared around the 1870's. Late in the 19th century many American firms began to market packaged goods under brand names. Previously consumers had not been aware of or influenced by brand names. The first product that had brand names were soap products. In the 1880's a few brands came out and they were Ivory, Pears, Sapolio, Colgate, Kirks American Family and Packer's. Not long after brands such as Royal baking powder, Quaker oats, Bakers chocolate, Hire's root beer, Regal shoes and Waterman's pe .....

.... balance of payments adjustment mechanism so that deficits and surpluses are not prolonged but are eliminated with relative ease in a reasonably short time period. The Asian crisis of recent falls into this category of inefficient balance of payments facilitated by depreciation of its currency. By competitively depreciating its currencies, Asia is exporting its deflation, its overcapacity and its lack of growth to the West, particularly to the US. History The past ten or fifteen years have seen an unprecedented expansion in the extent to which the countries of the world are tied together, both by instant communication and by internationa .....

.... a ratio analysis, and a recommendation. EARLY STRATEGIES UNDER TONY SMITH Tony Smith introduced the Top Hat as a drive-in restaurant that reduced start up cost by not having eat-in space. This new restaurant featured drive-in stalls for automobiles, that were equipped with a two-way intercom enabling customers to order as soon as they drove in, opposed to conventional practices of waiting for a carhop to take an order. Delivery of the fresh fast-quality products was do to the unique design of the kitchen, and the use of carhops. Sonic Corporation preferred to do things as easy as possible and avoid sophistication. Another strategy Sm .....

.... a public relations firm that only deals with healthcare clients. Therefore, Dix and Eaton does not specialize in any one area, but they do have expertise in investor relations. It is nice to know that Dix and Eaton is very broad to many areas and represents many companies. It also is positive that this firm has served more than half of these clients for five years or more. This is probably why Dix and Eaton is ranked among the top fifteen independent firms. Therefore, this firm has good relations with each client if the client is willing to stay with Dix and Eaton. In addition, I also thought that it was interesting to know that .....

.... averaging 20% to a high of 25% (1933) caused sever problems. This was a crisis not only for the US but the world as well. In keeping with the Classical thought, a government should do nothing and play a non -active and very passive role in the economy, their for the system should work. But, it did not work? Did the Government policy's (those of the congress and the federal reserve) that were in place during this time work? This is a Question that is still debated today. The opposite approach is the Keynesian thought. This school of thought would believe in a more active approach. That is the Federal Government and the Federal Re .....

.... like me would feel for the person who could not afford sufficient health insurance, and as in the case above, the baby inside that mother's womb didn't choose its financial situation, or its parents. That baby didn't ask to be born, and it wasn't given a chance to live. It wasn't necessarily the doctors fault, and it wasn't even his or her decision, because of business. Business has moved to the heart of health care, a place once relatively cushioned from the pursuit of profit that drives the rest of the U.S. economy. Throughout the history of the United States, medical institutions have largely been non-profit establishments exist .....

.... for their college graduation, let alone for their retirement. Eventually, however, most of us will reach a point in our lives where work shall come to an end, yet the existence of living expenses will not. Social security, many of us find out; will provide us with a monthly check at this point. What we do not realize, however, is that this amount is not intended to be used as our sole source of income. Unfortunately, the tragic irony is that many of us reach retirement and realize too late how impossible it would be to live by no other means except social security. The reality is, that the program is but one benefit, one additio .....