Services differ from manufacturing for all of the following reasons except: a. heterogeneity b. time-perishable capacity c. simultaneous consumption and production d. ability to limit discretionary action of personnel e. customer provides significant inputs into the process
if someone is considered to be bearish, they think the stock market is heading down. bearish when used to refer to the stock market, means that there is falling share prices. if someone believes that the stock market is bearish, they likely won't invest with fear of losing money that they invest in stocks.
i think its true, although some employers do not mind you refusing to take the drug test. the answer may vary due to different employers reactions, etc.
one of the main differences between an ira and a 401(k) is that 401(k)'s are usually taken out pretax and matched by your employer. 401(k)'s are working savings accounts and money is held in them as long as you are working for your employeer or you can transfer these funds to a new employer. an ira is easier to set up and maintain because often times it is not set up stricktly through the employer.