Every day thousands of workers find and lose jobs as businesses grow or close. Each new job found represents income for food, shelter, and education. Each job lost may represent giving up some or all of these basic necessities. When a global company decides to move its business operations overseas – a process called “off-shoring” – one country’s or worker’s loss of jobs may translate into another country’s or worker’s gain. The growing phenomenon known as off-shoring presents both benefits and challenges for the developed and developing world. What is Off-shoring? Imagine that the computer you are using has suddenly

Part One. Each of us has a reason for investment in stocks and in this instance mine is FOG No, this is not another newfangled over-the-counter derivative designed for obfuscation but simply "For our Grandchildren". You will gather for this purpose I would not envisage or indeed welcome a roller coaster ride from any of my choices and prefer slow but sustained growth over the medium to long term. This is not to suggest that my purchases are always as inherently safe as I expect these to turn out to be since in other dealings I am prepared to accept