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January 7, 2026 

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AFL-CIO: The umbrella organization for many labor unions in the United States, with AFL standing for American Federation of Labor, and CIO the abbreviation of Congress of Industrial Organizations. The AFL-CIO began as just the AFL in 1886 as a collection of craft unions representing skilled workers. It expanded to include semiskilled and unskilled workers represented by industrial unions. Differing interests among the two groups lead to a division of the original AFL in 1938 into two separate groups -- the AFL containing craft unions and CIO containing industrial unions. This rift was closed in 1955, when the AFL and CIO merged to form the AFL-CIO.

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FACTOR DEMAND DETERMINANTS

The three most important determinants that shift the factor demand curve are: (1) product price, (2) factor productivity, and (3) prices of other factors. Comparable to any determinant, these three cause the factor demand curve to shift to a new location. An increase in factor demand is a rightward shift of the factor demand curve and a decrease in factor demand is a leftward shift.

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"The victory of success is half won when one gains the habit of setting goals and achieving them. Even the most tedious chore will become endurable as you parade through each day convinced that every task, no matter how menial or boring, brings you closer to fulfilling your dreams."

-- Og Mandino, Author and Speaker

Creating WEALTH

Wealth -- what is it and how do you get it? Perhaps one of those home business franchises that sell cleaning products, housewares, or perfume can be your source of financial independence. And, as evidenced by those late-night infomercials, the always lucrative area of real estate investment is almost certain to turn you into a gadzillionaire by next Thursday. Or perhaps tinkering in the financial markets with penny stocks, gold futures, or silver options is more your cup of tea. (My personal favorite is the Darling Donna's Chimney Sweep outfit that gives you the opportunity for a meaningful career in the high-profile field of chimney maintenance products.) The question for today is: Are any of these get-rich-quick schemes better than buying a lottery ticket?
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Today, you are likely to spend a great deal of time surfing the Internet trying to buy either a pair of red goulashes with shiny buckles or a handcrafted bird feeder. Be on the lookout for defective microphones.
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A thousand years before metal coins were developed, clay tablet "checks" were used as money by the Babylonians.
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