Jan Sebo Economics Faculty (University Matej Bel)   Tajovskeho 10 97590 Banska Bystrica Slovakia Banska Bystrica, Slovakia 97590 Slovakia   jan.sebo@umb.sk   http://www.ef.umb.sk/ef/indexe.asp?zid=214&uid=548           JEL Areas: D1 : Household Behavior: General J3 : Wages, Compensation, and Labor Costs: General