First Author:   Serdar Ongan St. Mary`s College of Maryland, Department of Economics songan@smcm.edu   47645 College Dr,, Kent Hall St Marys City, 20686, USA   941-807-9363(Phone) 941-807-9363(Fax) Second Author: Ismet Gocer Adnan Menderes University, Department of Econometrics ismetgocer@gmail.com   Aydın, Turkey