Reuters - Applications for home mortgages jumped for a third consecutive week as plunging interest rates encouraged more homeowners to seek refinancings, an industry group said on Wednesday.

Fed slashes rates by 75 points (FT.com)
FT.com - The US Federal Reserve slashed interest rates by 75 basis points on Tuesday - and hinted clearly at more cuts to come - in a bid to arrest the deterioration in the US economy and stem a wave of selling in world stock markets.
Although it is difficult, the employee and the employees, you can get through it by following a standard procedure. Be sure to provide written documentation of what the jobholder returns both for the employee's records and the business's records. As part of this papers, you should have the jobholder sign paperwork showing that he or she read the report. For example, will you write up a worker on the first offense or give them a grace period? If reprimands do not get through, you may have to layoff the insubordinate worker. If they are a constant gossip, you should remind them that spreading rumors about other co-workforce causes a poor work ethic that will is obvious to customers or patrons. And, this will usually be your triggering event. In your separation notification sample, these details won't exist. If progressive discipline doesn't have an effect on the employee's behavior, then you must terminate this person. Let me tell you what happens if you ignore this advice. You should also have at least two more people sign the agreement as witnesses and as representatives of the small company. * DO ask about the impact of the work environment to the employee's job satisfaction.

Even if the circumstances are the same, their interpretations will vary. If you decide on voluntary terminations, the process is similar to what you learned in Chapter 10 for high-risk dismissals. A sample dismissal notification for a bad attitude worker should include all the standard items in a general sample notification.