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Wonderful suggestions. I agree wholeheartedly with the notion of not giving children clothes. I would also recommend for parents a gift certificate to a restaurant and theater vouchers, along with a homemade present certificate providing to babysit so the couple can have a nice night out. Little factors like that tend to go by the wayside when money is tight.
I really practically signed a contract this week but changed my mind. Thank goodness I did! I want I’d researched and located these comments earlier. Given that I cancelled I have been inundated with phone calls which I have not answered. I did, nevertheless, answer a single this morning and got bombarded with motives why I need to go ahead and how I could finance it. When I nevertheless said no the girl simply put the phone down on me!!
I belabor this point, because I do not offer a competing black box. I don’t claim to estimate the socially-optimal size of finance” at eight.267% of GDP, so there. Even though apparently rhetorically successful, this is basically not how we do economics. Right after all, if a bunch of academics could sit about our offices and decide which industries had been also huge,” which ones were too modest,” and close our papers with policy recommendations” to remedy the matter, central planning would have worked. A small Hayekian modesty suggests we focus on documenting the distortions, not pronouncing on optimal business sizes. Documenting distortions has also been, historically, far far more productive than pronouncing on the optimal size of industries, optimal compensation of executives, global imbalances,” savings gluts,” excessive consumption,” or other outcomes.
Huge banks have cut their fees or managed them effectively in recent years. The expense numbers prove it, and the profit margins in current years show it. (Just this month, Credit Suisse announced bold efforts to reduce cuts even much more.) But what gives and what goes away? Employee benefits, employee perks, extended-term or contractual compensation, and many of the variables that may possibly aid put banks on very best-work-location lists.