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SERVICES, CONSUMPTION: Personal consumption expenditures on activities that provide direct satisfaction of wants and needs without the production of tangible goods. Common examples are information, entertainment, and education. This is one of three categories of personal consumption expenditures in the National Income and Product Accounts maintained by the Bureau of Economic Analysis. The other two are durable goods (see durable goods, consumption) and nondurable goods (see nondurable goods, consumption). Services are about 60% of personal consumption expenditures and 40% of gross domestic product.

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CREDIT UNIONS

Non-profit depository financial institutions that were originally established to provide members of a specific group, such as employees of a company, with low-cost personal loans higher interest on deposits than available through traditional banks. Credit unions are chartered and regulated by the National Credit Union Administration. While credit unions are not "officially" chartered as banks, similar to other thrift institutions (savings and loan associations and mutual savings banks) they do function comparable to any traditional bank, offering a wide range of deposits, loans, and other financial services.

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Today, you are likely to spend a great deal of time at a garage sale hoping to buy either car battery jumper cables or a dozen high trajectory optic orange golf balls. Be on the lookout for the happiest person in the room.
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Potato chips were invented in 1853 by a irritated chef repeatedly seeking to appease the hard to please Cornelius Vanderbilt who demanded french fried potatoes that were thinner and crisper than normal.
"Anyone who has never made a mistake has never tried anything new. "

-- Albert Einstein, physicist

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