Diversifying investment risk with bonds

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The key to successful investing is to minimize that risk while maintaining an attractive return on the investments. One of the most effective ways to minimize the risk is to diversify. By diversifying the investments among stocks, bonds and money market securities, can lower the overall investment risk. Diversification can help even out price swings during the normal ups and downs of the stock market.

Many investors, understandably concerned about the future of the equity markets, are looking at alternative investment vehicles. For those who desire to increase the diversification in their portfolio in the hope of reducing their risk, fixed-income securities may be the answer mentions the article. All securities behave differently from one another, going up and down in separate cycles and to varying degrees. An individual stock is affected by a combination of different elements, including the overall stock market, health of the industry the company does business in, and the companys own performance. Though stocks generally vary more than fixed-income investments, fixed-income prices can be affected by changes in interest rates and the overall fixed-income market.

The author beliefs that equity markets, where stock prices are determined by factors such as anticipated earnings, market share, and expectations of future profitability that drive price, bond pricing is affected primarily by the current interest-rate environment. The author identify that the problem with adding bonds to a portfolio to reduce overall inherent risk is the possibility that the investor may lose principal within the bond portfolio if interest rates increase, thus defeating the objective of risk reduction. The recommendation of the author in relation to interest rate is that investors need to consider how to achieve an acceptable rate of return by investing in fixed-income securities without experiencing the higher risk associated with interest-rate fluctuation. They should determine what is the adequate offset of higher risk for higher return before they invest. Also the author adds, to minimize the impact of interest-rate changes, investors may wish to diversify their bond portfolios based on varying maturities.

The article mentions bond mutual funds as an alternative if current income is not an objective. Bond mutual funds offer the advantage of income reinvestment, allowing the investor to purchase additional bonds at current price levels. Funds vary greatly in their objectives and performance, which is no more guaranteed than investing in individual securities. Investing in a mutual fund eliminates one part of investment planning, selecting and buying individual securities that have the potential to meet goals. Also, mutual funds are highly diversified mentions the author. Each mutual fund share typically represents an interest in a mix of many different securities.

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The practice of laddering a bond portfolio also provides a very attractive method of diversification cited the article. Laddering can be accomplished by purchasing individual bonds or bond mutual funds. Laddering involves building a portfolio of bonds with staggered maturities so that a portion of the portfolio will mature each year, or some other specified time period. The author's recommendation regarding this method is that investors requiring current income should ensure that the different levels of income afforded by laddering are adequate to meet their current income needs.

My recommendation is to meet with a registered investment professional to take a fresh look at the current asset allocation plan or check which alternative is adequate to meet the current income needs. Also, it is important to regularly monitor the investments to make sure that the original allocation has not shifted.

In summary diversification spreading the money among many different investments takes a middle road through the highs and lows of market performance, allowing money the opportunity to grow regularly with fewer fluctuations along the way. Also, the main reason for diversification is simple. By including a variety of investments in the portfolio, the risk is less than put all money in one type of investment.

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Internationa Trade

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International Trade and Regional Economics

As economic integration among nations emerges at the dominant mechanism affecting trade patterns, the global economy is rapidly evolving into a patchwork of regional blocs. International trade is no longer the exclusive domain of sovereign states; its sources are increasingly found at the supranational level, while its impacts are more and more felt in sub national regions. In addition, the increase in freer economic policies all over the globe has so undermined national authority that regional economics are inevitably opened up to international trade.

In this volume, David Hayward considers the issue of regional exposure to external economic events, exploring the role of trade in the performance of American states and regions. Using a shift share model to evaluate the contribution of exports and imports in the growth of U.S. manufacturing industries, Hayward focuses specifically on the case of trade with the European Community, analyzing the potential impacts of its deepening integration on trade with individual states.

Planners and policy makers at this level are increasingly aware of the international dimension and seek the tools with which to address it. That is why this book integrates three distinct topics of inquiry regional economic analysis of the U.S. states; international trade and the impacts of economic integration; and the European union's 1 program. Thus, it is an ambitious attempt to explore the interconnectedness of supranational and regional economies. Therefore, this book is a manifest in the global reach of production systems and in the terms under which local and regional economies are integrated into the global economy. Buy Internationa Trade term paper

The author states how recent years have witnessed a growing concern among state policy makers and scholars of regional economic development with the external dimensions of regional economies. The increasing globalization of the U.S. economy and its constituent regional economies has caused state governments to "go international" in their industrial development promotion programs. These efforts have caught the attention of researchers concerned with external trade's implications for regional economies, particularly such aspects as the foreign trade component of state economies and the relative export performance.

International trade and regional economics is an exquisite piece of work. it is recommended for persons interested in International Trade, especially businesses that deal with the European Union. Hayward tries to explain the impact that European integration brought on U.S. state economies. Given the U.S.'s dominant position in the world economy the re-emergence of the Western European economies was seen as an economic treat. Reading this book we can learn the opposite that the reindustrializing Europe provided a profitable market for both American Consumer goods and investment. Indeed, several firms like Ford and General Motors established continental-scale operations in Europe and gained great advantages in economies of scale over their European competitors. Hayward concludes by evaluating the different variations in states' trade experiences with the European Community.

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MAN

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1. If firms in a competitive industry are presently earning an economic profit, what long-run consequences exist for the number of firms in this industry and the market price of their product.

Number of Firms Product Price

a. Increase Increase

b. Increase Decrease

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An industry earning a profit will attract firms, thus the number of firms will increase. However, competition will increase as well, and this will cause the price of that industries product to fall.

c. Decrease Increase

d. Decrease Decrease

e. Decrease No change

. A firm is a competitive seller of output at a market price of $. The only resource required to create its product is labor, which is purchased competitively at a wage rate of $6 per hour. The last worker employed increases total output from 6 to 40 units per hour. What is the marginal revenue product for this worker?

a. $

b. $6

c. $1 (40-6)

d. $4

e. Indeterminable from the information given.

. A firm requires labor and capital to produce a given output. Labor costs$8 per hour, and capital costs $1 per hour. At the current output level, the marginal physical product of labor is 40 units and the marginal physical product of capital is 60 units. Which of the following actions would this firm undertake to minimize its production costs at the current level of output?

Labor Capital

a. Increase Increase

b. Increase Decrease

c. Decrease Increase

d. Decrease No change

e. No change No change (40/8)= (60/1), thus MP labor = MP of capital and costs are minimized

4. Which of the following statements correctly describe(s) a firm that is a monopsonistic employer of labor?

I. The firm determines its level of labor employment by equating the marginal revenue product of labor with its marginal resource cost.

II. The firm pays a wage that is equal to the marginal revenue product of labor.

III. The firms labor supply curve is more elastic than the labor supply curve of a competitive employer.

a. I only. MRP= MRC holds true for competitive and monopsonistic models, thus statement I is correct. Statement II is incorrect for the monoposonistic model because the employer, being a monopoly, can control the wage rate. Statement III is also false because a monopsonistic firm has a supply curve that is equally elastic as every other firm.

b. II only.

c. III only.

d. I and II only.

e. I, II and III.

5. In a competitive industry, suppose the marginal revenue product of the last donut baker hired is $5, the marginal revenue product of the last bagel baker hired is $15, and a bakery must pay donut bakers $40 a day and bagel bakers $10 a day. The bakery should hire which of the following in order to maximize profits?

a. More donut bakers and fewer bagel bakers.

b. Fewer donut bakers and more bagel bakers. Profits are maximized when the MRP (labor)= 1, thus in this example, the MRP (donut bakers) must equal 1 and the MRP (bagel bakers = 1. Currently, the firm is paying its last donut baker more than his MRP, and is paying the last bagel baker less than his MRP, thus the firm must hire fewer donut bakers and more bagel bakers, to maximize profits.

c. Fewer of both donut bakers and bagel bakers.

d. More of both donut bakers and bagel bakers.

e. It is currently hiring the right number of donut bakers and bagel bakers.

6. Although statistical data show that broadcasting revenues exceed the profits of most professional sports teams, thus suggesting that these teams could not operate profitably without broadcasting revenues, an economist concluded that this overstates the importance of broadcasting for team owners profits. How can the concept of economic rent be used to explain this conclusion?

a. If there were no broadcasting, team owners would not have to rent TV lines and their costs would be lower.

b. If the owners had to pay economic rent to players, they could never make a profit without broadcasting revenues.

c. If there were no broadcasting revenues, players salaries would not include as much economic rent, and the team owners costs would be lower. Broadcasting revenues represent a surplus to team owners. Thus, if broadcasting did not exist, the owner would not have to pay his players as much economic rent, because there salaries would be lower, and his costs would derease.

d. Without broadcasting, owners could operate as monopolies instead of competitors and collect enough economic rent to overcome the loss of TV revenues.

e. If there were no games broadcast, owners could charge more for tickets and increase the total amount of economic rent they receive.

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Motifs in Short Stories

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Gender issues have been a popular topic in literature for centuries. Authors of both genders have used this theme to address the role of men and women in the culture and time period they represent. Much of Alice Munro's work addresses theses issues in several aspects such as work and work divided by gender. Her 168 short story "Boys and Girls" demonstrates this theme using several different motifs and symbols. The most predominant being the horses, Mack and Flora who embody the attributes the central character/narrator wish to have herself.

The story is told through the eyes of a young girl living on a farm with her family somewhere in Canada probably around the time the country was first colonized. In those days the only role a women played in the world, except for a select few, was that of caretaker, cook and cleaning lady. The narrator is seemingly oblivious to these ideals and rejects the people who impose them on her. This is evident thorough the descriptions she gives of her mother. For example, on page 118 she gives her perspective on a discussion she overheard between her parents

She was plotting now to get me to stay in the house more, although she knew I hated it (because she knew I hated it) and keep me from working for my father.

At the time the narrator obviously wasn't aware that men and women had certain roles on society ;which is why she feels that her mother is trying to punish her in some way by wanting her to work more in the house and less outdoors with her father. The distinction between doing a "man's work" with her father and doing what her gender is "supposed" to with her mother is unclear to her. However, later on she realizes that her biological make-up does come along with certain responsibilities. On page 11 we see the narrators revelation Custom writing service can write essays on Motifs in Short Stories

The word girl had formerly seemed to me innocent and unburdened, like the word child ; now it appeared that it was no such thing. A girl was not, as I had supposed, simply what I was; it was what I had to become. It was a definition touched by emphasis, with reproach and disappointment.

This excerpt is then followed by dialog of her grandmother scolding her about what girls should and shouldn't do. We then see a conscious effort to rebel against her fate as a female.

Strangely enough, almost every paragraph that deals with the gender issues is followed by one concerning the horses, Mack and Flora. According to the narrator, Flora, the female is a wild, rambunctious creature while Mack is quite the opposite slow and boring. She obviously sees characteristics in Flora that she, herself would like to have. Alice Munro makes this even more obvious by telling the reader that each child (the narrator and her brother) have a bond with each horse, the narrator with the female and her brother with the male. The narrator even comments on how slow and clumsy her brother, traits that Mack has himself further proving her connection to Flora. The climax of the story takes place when the young girl lets Flora run through the gate to escape her fate as a horse; symbolizing her desire to escape her fate as a female. Which ultimately relates to the theme of the story, that being gender roles and challenging the standards set upon women. Unfortunately in the end Flora does not escape her fate and neither does our protagonist. Her father finds out about her disobedience and says on page 17

"Never mind," my father said. He spoke with resignation, even good humor, the words which absolved and dismissed me for good. "She's only a girl," he said. I didn't protest that, even in my heart. Maybe it was true.

One could argue that she does not ultimately accept the restrictions her gender holds. Yet I feel that there is no evidence saying that she doesn't. The horses being the main motif and the female horse exemplifying her desires and not escaping what life had planned out, clearly says that the narrator took the same path. While the story did challenge the way women are looked at in society, I think "Boys and Girls" was not meant to be an inspirational story for women but one that has us telling ourselves to not accept and reinforce pre-conceived notions about women and their role in society.

Please note that this sample paper on Motifs in Short Stories is for your review only. In order to eliminate any of the plagiarism issues, it is highly recommended that you do not use it for you own writing purposes. In case you experience difficulties with writing a well structured and accurately composed paper on Motifs in Short Stories, we are here to assist you. Your persuasive essay on Motifs in Short Stories will be written from scratch, so you do not have to worry about its originality.

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2PAC

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Poems are words expressing what is inside us. It is also well known that the environment around us affects the way we view things, and it is the factor that pushes us to act and rebel in a certain way.

In my research about this topic I came upon many names and characters that were shaped environment. Two of these are Maya Angelou and Tupac Shakur. Maya Angelou conquer the notion of rebellion from three specific and popular subject positions that of a woman, a black, and a black woman.

She is a poet, historian, author, actress, playwright, civil-rights activist, producer and director. She has been published ten best selling books and numerous magazine articles earning her Pulitzer Prize and National Book Award nominations. At the request of President Clinton, she wrote and delivered a poem at his 1 presidential inauguration. Maya was born in St. Louis and raised in a segregated rural Arkansas.

Her poetry is full of experience her childhood and adolescence years back in Arkansas. The style that she opted for is a rebellion style defending her race from the criticism that she is exposed to.

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"Still I rise" is one of her most famous poems. In it she describes the basic feelings and descriptions of the women that don't need any hatred to try to lift them up. Basically, she shows that women in general, as well, as her, are strong.

In the poem, she writes about all the thoughts that people have against her, and how she won't let them put her down. She also describes from her prospective as a black woman how she has risen through all that she and her ancestors has gone through. They were put down by being forced to be slaves.

She always carries herself as a strong black woman. Her ancestors dreams was always to have someone brave and educated to sacrifice his or her time and maybe life to protect them. Maya Angeloo in my openion was that person that they dreamed of. She writes

"You may write me down in history

With your bitter, twisted lies,

You may trod me in the very dirt

But still, like dust, Ill rise. "

she also says

"You may shoot me with your words,

You may cut me with your eyes,

You may kill me with your hatefulness,

But still, like air, Ill rise. "

And she ends her poem by

"Bringing the gifts that my ancestors gave,

I am the dream and the hope of the slave. I rise"

I also came across more writers who were also affected by their environment. One of them is the controversial artist Tupac Shakur. He was born on June 16th, 171 .he is popular among all sections of the population. He is a superstar because he was incredibly talented but also because he took the side of the poor, because he represented the spirit of the LA Rebellion and he spread that spirit throughout society. He was the first prominent figure to defend women on welfare"Keep Ya Head Up" after he knew that nearly ,000 women were arrested during the LA Rebellion. In this song he defends women in the face of abandonment, beating, rape, and government neglect.

He makes a song with the same name as Maya's poem (Still I Rise). In it he describes himself from when he was still a seed of semen swimming upstream in his mother's womb. He talked about how he was stranded on welfare and how he comes from a broken family. He then raised a question "Now, what was I to be?" He went on answering his own question on how he survived the harsh living by turning to an illegal lifestyle. In another song he was talking about the changes that should be made in order to destroy the wall of racism in the society. He talked about important issues; poverty, inequality and education. He says

"I see no changes. I wake up in the morning and I ask myself is life worth living should I blast myself?

I'm tired of being poor and even worse I'm black

my stomach hurts so I'm looking for a purse to snatch."

In this verse he is talking about the poverty and how he wakes up every morning depressed and stressed about his income. He then continues to say that even though he is poor it did not affect him as much as his blackness affected him. He goes on to accuse the government for all what is happening. He blames government for promoting drugs in the poor neighborhoods and opening gun and liquor stores in the same places. Now he changes the subject to education and educating people and taking the evil out of their hearts. He says all the evil is happening because people judge each other by their skin color and that they are being superficial. He is saying that the same two groups, black and white, come together at some occasions. Therefore, they should work all together as a people to make these occasions occur more often. He continues to say that there are many blacks serving time in jail.

Throughout his life Tupac struggles to find his identity. He is the son of a radical political activist and a gangster living his early life as an outcast. As a rapper and movie star he lives what he described as 'Thug Life' - a life of rebellion. Tupac is a symbol of black resistance, of anger, violence and bitterness, a voice that speaks out against some of the things wrong in America in the 10's

There are so many questions I had to answer to defend my position. First of all, the subject matter of my topic is not strange to any American since women and blacks have faced discrimination for a long period of time. Secondly, the life they live (Maya and Tupac) reflects exactly what they had to go through to reach their goals. Even after becoming famous their style of writing does not change because they believe that their writings would make an impact in the society.

My arguments I chose in this research paper make sense to me by helping me picture myself in their situations and given me insight on comparing modern day America with their generations. In the Tupac case, the generation is not too different from now and the experience, if we can still exists.

Rebellion is a double edged sword. It can change a lot of problems in the society but it can also harm the writer like in the case of Tupac. He rebelled until he is shot dead.

We have discussed the concept of rebellion in poetry. We have seen how Maya Angeloo and tupac shakur in their writing to convey a certain message. We also see how rebellion can be positive trough writing, but also negative. Such as in the case of tupac's murder.

Please note that this sample paper on 2PAC is for your review only. In order to eliminate any of the plagiarism issues, it is highly recommended that you do not use it for you own writing purposes. In case you experience difficulties with writing a well structured and accurately composed paper on 2PAC, we are here to assist you. Your cheap custom college paper on 2PAC will be written from scratch, so you do not have to worry about its originality.

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DSL

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Digital Subscriber Line (DSL) - What is it?

Digital Subscriber Line or DSL for short, is a modem-like technology that allows for the transmission of voice, video and data over existing telephone lines at megabit speeds.

DSL services uses the high frequency spectrum on the same lines that deliver voice service to home and business users. This means that both voice and data can run simultaneously without the need for additional phone lines or other connections to the ISP.

DSL AdvantagesCustom writing service can write essays on DSL

The great thing about DSL is it uses the unused bandwidth that already exists on your phone line. Your phone service will continue to operate the same way as it did before DSL was installed. This means you can surf the Internet and still be able to pick up the phone and make a phone call, and all on a single phone line.

Speed

What you here Digital Subscriber Line (DSL) solutions offer the user data speeds of up to 50 times the rate of a traditional analog 8.8 Kbps modem.

What you get It depends on how close you live to your telco and how much you are willing to pay for bandwidth. In general, with basic DSL service you will be able to download a 5MB file in under 1.5 minutes. Now thats Fast..

Reliability

Phone company networks are among the most reliable in the world, experiencing only minutes of downtime each year.

Convenience

Since your DSL connection is always on. Theres no need to dial-up and wait for a connection every time you want to do something online. You will also never experience line dropping when youre in the middle of browsing or downloading.

Types of DSL

xDSL is used interchangeably with the acronym DSL to describe all the different variations of the technology. Basically they all fall into one of two categories Asymmetric DSL and Symmetric DSL.

Home and Residential - Asymmetrical DSL

Asymmetric DSL (ADSL) reserves more bandwidth going downstream to the user and less going upstream. Asymmetric DSL works by using more bandwidth for downloads to the user and less bandwidth for uploads from the user to the Internet. This is more attractive to Internet surfers because they typically download much more data than they send.

Business - Symmetric DSL

Unlike Asymmetric DSL, Symmetric DSL provides the same bandwidth for both downstream and upstream data. Because of the larger bandwidth (and cost) requirements, it is more suited for Web servers, corporate networks, and those who send out large quantities of data.

Choosing an Internet Service Provider

This will most likely be the hardest decision you will have to make when deciding on DSL service. There are so many different providers competing for your business, how can you possibly make a decision.

In general remember the following Local ISPs usually have better pricing than the National ISPs. Also, Local ISPs can sometimes give you better bandwidth speeds. On the other hand, National ISPs usually have better technical support, larger service areas and special promotional offers.

Conclusion Shop around before you buy.

DSL Hardware Information

At minimum you will need a DSL modem and network card. Most ISPs will provide the modem for free if you sign up for at least one year of service. Network cards are inexpensive and can be purchased as kits to network multiple computers together. For more than two computer, they can all be connected to one DSL modem using a router or firewall/router combination.

Security Concerns

If you create a home network to connect multiple computers and/or share your broadband Internet connection, you should consider installing a network firewall, especially if you have enabled file and print sharing on your home LAN. A network firewall is a separate hardware device that creates a security barrier between your network and the Internet. Be sure the firewall you choose offers stateful packet inspection the strongest form of security for small networks.

Technologies Comparisons

How does DSL stack up against other broadband technologies. The following information will show you the pros and cons vs. DSL broadband. Hopefully this will help you decide what broadband technology is best for you.

DSL vs. Analog (dial-up) modems

Analog modems have reached their technical limit using the V.0 technology. It is possible to bond or shotgun two 56K modems together for more bandwidth (up to 11K). However, you will still need an extra phone line. When you consider the costs for multiple lines and the extra ISP costs for shotgun access. Its cheaper, faster and more reliable to chose another broadband option.

DSL vs. Cable modems

Cable modems offer high-bandwidth Internet access over cable TV lines, the service is reliable, and service costs are close to that of most DSL. Cable modems are used primarily for home and residential Internet access because most commercial and business buildings arent usually wired for cable television service.

With a cable modem, you are sharing access to the Internet, unlike DSL which runs on a dedicated connection. The downside of shared access is security. Hackers may be able to break into other computers on the same cable network.

Also, as more users in a neighborhood send and receive information, the available bandwidth for individual users shrink, potentially slowing bandwidth speeds down to a crawl.

DSL vs. Satellite access

DBS service requires a small dish, mounted outdoors to receive data sent from a stationary satellite. DBS service providers can deliver download speeds approaching 50 kilobits per second.

The downside is that satellite services are receive-only. You still need a phone line and modem to request (upload) information from the Internet.

DSL vs. ISDN

ISDN is a widely available, faster alternative to analog modems. Its not as fast as DSL, Cable or Satellite and it cost -5 times more. If your area does not offer any of the other high-bandwidth options, ISDN is the only way you will be able to break the 56K barrier.

Conclusion

In most areas, only one or two of these technologies are available. If your lucky enough to live in an area that has all the options. Shop around, talk to people, and find out what kind of speeds they have experienced based on what the theoretical maximum can be. Also remember to check the technical support service and options when deciding on a provider. If you cant get a hold of anyone concerning technical issues, it doesnt make a difference how fast the service is.

Please note that this sample paper on DSL is for your review only. In order to eliminate any of the plagiarism issues, it is highly recommended that you do not use it for you own writing purposes. In case you experience difficulties with writing a well structured and accurately composed paper on DSL, we are here to assist you. Your persuasive essay on DSL will be written from scratch, so you do not have to worry about its originality.

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Employment Relationsm

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Industrial Disputes

These articles basically show workers who are not content with their wages, working conditions and/or resources.

The articles include -

Actors from popular Australian television shows striking for better pay, because alot of irregular working actors may only work a couple days a year, and receive unacceptable pay. Custom writing service can write essays on Employment Relationsm

As the financial years finishes, many teachers are striking for better pay and resources, because they are not happy with their current situation.

Employees from a drum-mak ing factory, have just ceased their strike due to the companies insistence on non-union employment agreements.

Working Conditions

These articles are about the working conditions of their workplace, including people who are bullied, or are forced to wor k and do things that they dont want to do. Including

A large amount of people are bullied at work each day by colleagues.

Girls are forced to work as prostitutes, and are told that if they dont they are threatened with murder or harm to themselves or th eir family.

Dismissal

These articles are about people losing their jobs due to environmental activity, contracts, and redundancy packages.

These include

Abattoirs, who have to dismiss, people due to them not being needed anymore, or people who have taken voluntary redundancy packages. This is mainly due to the recent drought that affected country areas.

Unions

The articles are mainly about child care, long service leave for fathers, and reducing working hours.

Including

A union for reducing worki ng hours in a week, are not having much success as their managers/bosses are fighting back making sure that the workers dont get what they want.

Many unions are pushing for free child care within workplaces, therefore making it more appropriate for pare n ts having their children staying closer to them, and being able to pick them up straight away after work, and helping families balance home and work life easier.

Unions are trying to get baby leave for new fathers (unpaid), therefore balancing and reducin g t he work load for mothers.

People Retiring

People who are working in government jobs, are retiring faster than new (and just as good) people can be recruited.

Police officers are being offered redundancy packages who are in the right criteria of ove r 45 years and that have been with the police force for at least 0 years.

A campaign to attract retired nurses back to work, has not been as successful as the government had hoped. The campaign was forme d be cause of the increasing vacancies in the nursing profession.

Women And Maternity Leave

Plans to help mothers spend more time at home with their children are being formed, and women are wanting jobs closer to home so that they can spend more time o n the ir ho me life rather than their work life, or at least balance it out more.

Women are being told to abandon their plans for maternity leave, as the situation will probly not get much better. But instead they will r eceive a cha nge and restructure of the family payments system instead.

Shown in recent research, women are more likely to work in the western suburbs of Sydney, rather than the city, because it is closer to home, friends and families.

Women want to be at home with th eir children, rather than being involved in a full time career.

Wages

Wages involve increase in pay, technological changes, and wages that are decreased.

Articles included are

Payrise for fruit and vegetable pickers

Wage deal is denied for state public servants

Increase in wages for emergency servants, nursing and teachers, have no real plan for an increase.

Payroll information is now accessible through the internet

A large amount of money is cut by 0% for employees

Teachers are offered money to move to the country because of shortages

Superannuation And Legislation

Changes to superannuation, employers are to guarantee a contribution, on behalf of their employees.

People on a low income would receive an acceptable increase from the Federal Governments superannuation legislation, but this doesnt include people on high income{

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