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RESERVE REQUIREMENTS: Rules by the Federal Reserve System governing the amount of bank reserves that banks must keep to back up their deposits. Legal reserve requirements came about because banks that practice fractional-reserve banking are sometimes inclined to make too many interest-paying loans and neglect to keep enough reserves on hand to pay their depositors. In principle, the Fed can alter reserve requirements to control the money supply. In practice, however, the Fed prefers to use open market operations or the discount rate.

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UNEMPLOYMENT REASONS

People can be unemployed for a variety of reasons. The Bureau of Labor Statistics (BLS) notes five prime reasons for being unemployed: (1) job losers, (2) job leavers, (3) those who have completed temporary jobs, (4) re-entrants, and (5) new entrants.

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APLS

BLACK DISMALAPOD
[What's This?]

Today, you are likely to spend a great deal of time at an auction wanting to buy either decorative picture frames or storage boxes for your income tax returns. Be on the lookout for rusty deck screws.
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This isn't me! What am I?

Francis Bacon (1561-1626), a champion of the scientific method, died when he caught a severe cold while attempting to preserve a chicken by filling it with snow.
"In a time of drastic change, it is the learners who inherit the future. "

-- Eric Hoffer, philosopher

DCFM
Discounted Cash Flow Method
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