.... 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 companies charge. Many cre .....

.... to hold this position. As of November 18, 1996 O'Dowd has taken a 30 day leave of absence for personal reasons. Dennis Nielson, analyst for R. J. Steichen, predicts that if the leave is only 30 days there should not be a lasting impact on the company (Nielson, November 18, 1996). Background. O'Dowd is a director of Elephant and Castle Group, Inc. He was previously the Corporate Director, Food & Beverage Services for Holiday Inn Worldwide from July 1987 to May 1995. From August 1985 to July 1987, O'Dowd was Vice President and General Operations Manager for .....

.... world, and fulfill Marx's promise of material wealth following the revolution. The idea of industrialization as the means to true socialism never occurred to Lenin. He assumed, at least initially, that communism could would and should exist in the pre revolutionary way of life. Before Stalin came to power, the communist party for the most part agreed that industrialization was necessary, however different sects of the Bolsheviks were in disagreement about how this change should come about. Buhkarin, the spokesman for the right wing Bolsheviks, warn .....

.... The U.S. needs to do what the Japanese did when they penetrated the American market; hard market research and heavy investment. The Japanese spent billions of dollars studying American taste and manufacturing models that suited them. The Big Three have generally confined their efforts to sending models that they have made specifically for Americans. Bill Duncan, the head of the Japan Automobile Manufacturers Assn. states that "it was the basic principals of competition that made the Japanese automobile industry strong." One example which reflects the short- .....

.... the British first documented the occupational hazards of asbestos dust inhalation. In 1935, there was correspondence between the editor of the trade journal Asbestos and Summer Simpson, president of Raybestos-Manhattan. This correspondence consisted of the editor asking permission to print an article about the dangers of asbestos inhalation. Written on September 25, 1935, the message read Always you have requested that for certain obvious reasons we publish nothing [about the health hazards of asbestos], and naturally your wishes have been respected... B .....

.... cons of monetary union from a British perspective, and the choice for Britain. ARGUMENTS 'AGAINST' THE UK JOINING THE EMU TRANSITIONAL COSTS The most significant economic cost involved in the transition to the EMU will be the expense and dislocation involved in replacing national currencies with the Euro. The UK decimalization in 1971 took almost 5 years to complete, yet this involved a change in only one currency compared with up to 15 if the EMU goes ahead. Apart from producing and distributing the new currency, IT systems, tills, slot machines and accou .....

.... them responsible for the results of their decisions. There have been many documented examples of anxiety, mistrust and complacency in employees when this wave of "new-and-improved, successful management strategies" have been suddenly thrown upon them. Change of any kind will usually inspire resistance, especially when you are talking about extracting power from management to place in the hands of "subordinates." There are obvious methods to achieving the results that the stakeholders of an organization demand through empowerment. Increases in profitabilit .....

.... their current employers one year or less. About a quarter of those unemployed at any particular time are employed one month later. This means that a considerable degree of unemployment in the United States is frictional and lasts only a short time. This type of unemployment could be reduced somewhat by more efficient placement services. When workers are free to quit their jobs, some frictional unemployment will always be present. The second form of Unemployment is structural unemployment. Structural unemployment arises from an imbalance between the kinds of .....