On daily basis, we make a number of decision regarding purchase, saving, investment and financing. These decisions are influenced by a number of factors or elements. This paper shows the different processes that, consciously or unconsciously, influence an individual's decision making process. We...

This paper summarizes additional evidence indicating that much on-the-job training appears to be "specific" in that workers do not pay for such training in the form of lower starting wages. The paper then considers reasons why workers and firms might limit the portability of training. One...