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https://docs.google.com/a/totinograce.org/document/d/1VgU4xi1I3md7UHT7r5a1ZK5G9EhA65cGOiRNx14MIvE/edit?usp=sharing

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The Agricultural Adjustment Act controlled the supply of corn, wheat, cotton, rice, peanuts, tobacco, and milk by giving farmers payments in exchange for taking some of their land out of farming. The AAA was established to help agricultural workers during the Great Depression because crop prices were low. Farmers were paid to only raise a certain amount crops and pigs in order to increase prices, causing farmer's cash income to double between . In 1937 the Supreme Court ruled the AAA unconstitutional but it was later rewritten and passed again as a law.

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The Fair Labor Standards Act establishes minimum wage, overtime pay, record keeping, and youth employment standards for all workers in the private, Federal, State, and local governments. The FLSA was put into place in attempt to save the nation from the Great Depression. It established basic worker' rights that formed a middle class. Originally this act set minimum wage at 25 cents, a workweek for 44 hours, and made it illegal for children under 14 to work. Roosevelt struggled with getting congress to pass this bill, he sent it to them three times before it was finally passed.

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The Federal Housing Administration insures mortgages on single and multifamily homes with FHA approved loans. This mortgage insurance provides a protection against losses due to mortgage loans. The FHA was created to help Americans in 1934 after millions lost their jobs and only four in 10 families owned homes. It's purpose was to help heal the damage of the Great DepressionFHA programs helped provide homes for returning veterans and their families after the war during the 1940's.

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The National Youth Administration gave grants to students in exchange for for work, allowing them to both go to school and have a job. The NYA was put in to place in 1935 due to the fear of the growing numbers of unemployed youth. This program prevented the number of unemployed youth from growing while allowing young people to continue studying, and also provided on-the-job training for those not in school giving them important skills for the future. In 1937 the NYA received criticism for not providing adequate funding for job training.

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legal dictionary for agricultural adjustment act

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Agricultural Adjustment Act, 1938 Law and Legal Definition | USLegal, Inc.

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The Agricultural Adjustment Act,1938 ("Act") is a federal legislation in the U.S. This Act came into existence as an alternative for the farm subsidy policies. The Act facilitated in making price su

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Compliance Assistance - Wages and the Fair Labor Standards Act (FLSA) - Wage and Hour Division (WHD) - U.S. Department of Labor

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US Department of Labor: The Wage and Hour mission is to promote and achieve compliance with labor standards to protect and enhance the welfare of the Nation's workforce.

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With thousands of stocks, bonds and mutual funds to choose from, picking the right investments can confuse even the most seasoned investor. But if you don't do it correctly, you can undermine your ability to build wealth and a nest egg for retirement.

Instead of stock picking, you should start by deciding what mix of stocks, bonds and mutual funds you want to hold. This is referred to as your asset allocation.

What Is Asset Allocation?

Asset allocation is an investment portfolio technique that aims to balance risk by dividing assets among major categories such as cash, bonds, stocks, real estate, and derivatives. Each asset class has different levels of return and risk, so each will behave differently over time.

For instance, while one asset category increases in value, another may be decreasing or not increasing as much. Some critics see this balance as a recipe for mediocre returns, but for most investors, it's the best protection against a major loss should things ever go amiss in one investment class or sub-class.

The consensus among most financial professionals is that asset allocation is one of the most important decisions that investors make. In other words, your selection of stocks or bonds is secondary to the way you allocate your assets to high and low-risk stocks, to short and long-term bonds, and to cash.

There is no simple formula that can find the right asset allocation for every individual - if there were, we certainly wouldn't be able to explain it in one article. We can, however, outline five points that we feel are important when thinking about asset allocation:

1. Risk vs. Return

The risk-return tradeoff is at the core of what asset allocation is all about. It's easy for everyone to say that they want the highest possible return, but simply choosing the assets with the highest "potential" (stocks and derivatives) isn't the answer.

The crashes of 1929, 1981, 1987 and the more recent declines of 2007-2009 are all examples of times when investing in only stocks with the highest potential return was not the most prudent plan of action. It's time to face the truth: Every year your returns are going to be beaten by another investor, mutual fund, pension plan, etc. What separates greedy and return-hungry investors from successful ones is the ability to weigh the relationship between risk and return.

Yes, investors with a higher risk tolerance should allocate more money into stocks. But if you can't remain invested through the short-term fluctuations of a bear market, you should cut your exposure to equities.

2. Don't Rely Solely on Financial Software or Planner Sheets

Financial-planning software and survey sheets designed by financial advisors or investment firms can be beneficial, but never rely solely on software or some pre-determined plan. For example, one old rule of thumb that some advisors use to determine the proportion a person should allocate to stocks is to subtract the person's age from 100. In other words, if you're 35, you should put 65% of your money into stocks and the remaining 35% into bonds, real estate, and cash. More recent advice has shifted to 110 or even 120 minus your age.

But standard worksheets sometimes don't take into account other important information such as whether or not you are a parent, retiree or spouse. Other times, these worksheets are based on a set of simple questions that don't capture your financial goals.

Remember, financial institutions love to peg you into a standard plan not because it's best for you, but because it's easy for them. Rules of thumb and planner sheets can give people a rough guideline, but don't get boxed into what they tell you.

3. Determine Your Long- and Short-Term Goals

We all have our goals. Whether you aspire to build a fat retirement fund, own a yacht or vacation home, pay for your child's education or simply save for a new car, you should consider it in your asset-allocation plan. All these goals need to be considered when determining the right mix.

For example, if you're planning to own a retirement condo on the beach in 20 years, you don't have to worry about short-term fluctuations in the stock market. But if you have a child who will be entering college in five to six years, you may need to tilt your asset allocation to safer fixed-income investments. And as you approach retirement, you may want to shift to a higher proportion of fixed-income investments to equity holdings.

4. Time Is Your Best Friend

The U.S. Department of Labor has said that for every ten years you delay saving for retirement (or some other long-term goal), you will have to save three times as much each month to catch up.

Having time not only allows you to take advantage of compounding and the time value of money, but it also means you can put more of your portfolio into higher risk/return investments, namely stocks. A couple of bad years in the stock market will likely show up as nothing more than an insignificant blip 30 years from now.

5. Just Do It!

Once you've determined the right mix of stocks, bonds, and other investments, it's time to implement it. The first step is to find out how your current portfolio breaks down.

It's fairly straightforward to see the percentage of assets in stocks versus bonds, but don't forget to categorize what type of stocks you own (small, mid or large cap). You should also categorize your bonds according to their maturity (short, mid or long-term).

Mutual funds can be more problematic. Fund names don't always tell the entire story. You have to dig deeper in the prospectus to figure out where fund assets are invested.

The Bottom Line

There is no single solution for allocating your assets. Individual investors require individual solutions. Furthermore, if a long-term horizon is something you don't have, don't worry. It's never too late to get started.

It's also never too late to give your existing portfolio a face-lift. Asset allocation is not a one-time event, it's a life-long process of progression and fine-tuning.

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With thousands of stocks, bonds and mutual funds to choose from, picking the right investments can confuse even the most seasoned investor. But if you don't do it correctly, you can undermine your ability to build wealth and a nest egg for retirement.

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One of the most important things President Roosevelt was appeal to the people of the United States. By broadcasting over the radio to everyone he got the nation on board with his plan. With the support of so many people it would have been so much harder to reopen banks. He convinced everyone to trust him, and then they all put money back into banks because he said to. The trust of the people was one of his biggest helping factors while trying to reform America.

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"If I give away everything I own, and if I hand my body over so that I may boast but do not have love, I gain nothing" 1 Corinthians, Chapter 13

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"If I give away everything I own, and if I hand my body over so that I may boast but do not have love, I gain nothing" 1 Corinthians, Chapter 13

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I think this stood out to President Roosevelt because it explains that no matter how hard we try to fix something, if we don't have love nothing will happen. It speaks to the fact that if he does not love our country, as our president he will get nothing done and fix nothing.

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March 4, 1933