.... paid their bills just one day after the due date. Visa, on the other hand, was charging the penalty fees for as little as a dollar over the limit, plus an interest of up to 24.9 percent per year. In the second quarter of 1995, overdue payments as a percentage of outstanding balance hit 3.267 percent. That is the highest mark since recession of 1991. "The picture is, some consumers are very, very deeply in debt," says Charles McMillion, chief economist with MBG Information Services. A swipe of the card has become so natural that many consumers do not realize how .....

.... and make-up paraphernalia. Over the past 45 years, Lillian has had two sons, Fred and David Hochberg, both of whom joined their mothers business and quickly rose up through the management ranks. With their help, her -little business+ went public in 1987 on the American Stock Exchange. Since the Lillian Vernon Corporation. went public, it has overcome the unavoidable but near fatal traumas that face every entrepreneurial enterprise. In this case, inadequate computing capacity and inefficient warehome the customer places the order to the time they receive the merchandise .....

.... plus fixed fee contract: A cost-plus-fixed-fee contract is a cost-reimbursement contract that provides for payment to the contractor of a negotiated fee that is fixed at the inception of the contract. The fixed fee does not vary with actual cost, but may be adjusted as a result of changes in the work to be performed under the contract. This contract type permits contracting for efforts that might otherwise present too great a risk to contractors, but it provides the contractor only a minimum incentive to control costs. Design and build contract, also known as "package deal .....

.... sold to car companies and manufacturers rather than the general public. The obvious reason for this is that the product is assumed to be fitted onto cars by engineers only. * Industry output Below is the statistics on car production. This information is required as we need to identify growth potential which is the key to find a new opportunity. A growing market is where prices and margins are higher and therefore more desirable. * Mode of transport This research covered travel patterns among London passengers. Travelling by car comes first with a share of 49% and bus usa .....

.... (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 citizenry more than would a tax increase. Because Americans are not willing to spend the .....

.... competitive employee wages. In 1980, Congress got rid of rules that encouraged railroads to keep unwanted routes, that forced prices too high to compete with truck and barge rates, or kept prices too low to make a profit. (3) Now railway companies are making deals with shippers at competitive rates allowing, once again, the railroads to be an important part of America. Since the breakup of AT&T in January 1984, almost every element of tele phoning has been open to competition. Numerous firms have been formed boasting low long-distance rates, car phone models, fiber-optic .....

.... be successful in chemical engineering, one must be curious and persevering" (Finney IV 13). The person must be flexible in order to adapt to each phase encountered. They must also be ambitious. Honesty is another very important trait. They must be cooperative since they are a member of a team. In order to get a job as a chemical engineer, a person should have at least a Bachelor’s Degree. The degree should be in chemical engineering. The degree is acquired by four years of study. Subjects studied include engineering, drawing, chemistry, mathematics, English and speech .....

.... half-century. In the 1980s they soared to record levels. The Government cut income tax rates, greatly increased defense spending, and didn’t cut domestic spending enough to make up the difference. Also, the deep recession of the early 1980s reduced revenues, raising the deficit and forcing the Government to spend much more on paying interest for the national debt at a time when interest rates were high. As a result, the national debt grew in size after 1980. It grew from $709 billion to $3.6 trillion in 1990, only one decade later. .....