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September 15, 2026 

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DEMAND-MANAGEMENT POLICIES: Government policies designed to stabilize the economy by changing aggregate demand. The most noted demand-management policies are fiscal and monetary.

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NEGOTIABLE ORDER OF WITHDRAWAL ACCOUNTS

Interest-paying checking accounts maintained by commercial banks, savings and loan associations, and mutual savings banks. These function much like standard demand deposit checking accounts in that the funds can be withdrawn "on demand" by writing a check, but an interest is paid on the outstanding balance. Negotiable order of withdrawal (NOW) accounts are one type of checkable deposits. Others are demand deposits (standard checking accounts), share draft accounts, and automatic transfer service (ATS) accounts.

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Today, you are likely to spend a great deal of time flipping through the yellow pages looking to buy either a how-to book on home repairs or a large, stuffed kitty cat. Be on the lookout for high interest rates.
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More money is spent on gardening than on any other hobby.
"Most human beings have an almost infinite capacity for taking things for granted. "

-- Aldous Huxley, writer

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