Finance & Business Question and Answers

How exactly can I dosh a check, as a minor?


Question:
I'm a minor, and I don't believe my bank (Washington Mutual) allows me to currency checks without my dad. Are here any banks that can? CAN Washington Mutual (The desk clerk was kinda flaky when we asked). Also, it's not resembling I'm trying to cash immoral money or anything, I want to be able to brass my own paycheck without waiting for the weekend for my dad to do it. I enjoy a California ID and everything, and the checks are made out to me

Answer:
You should be able to establish your own mound account contained by your own name. All you inevitability is the minimum amount, let's say $100 or doesn`t matter what is required by that particular hill, to start an account. Take along everything that you might have need of, like proof of I.D. and age, and...even your dad surrounded by case he wants to sign anything. Not only are you going to own paychecks from work, but you could get a settlement check from a company, a check from Grandma, or a check from some other source that you want to cash or deposit. There is no better time than immediately to start a savings reason, too. The bank that issued your paycheck, by the channel, could be in another state or not anywhere effective you. But they will cash their own checks, even if you are a minor.
If you can run it to the bank the check is drawn from they should lolly it (you'll need credentials, but you don't have to be an adult).
If your wall does not allow you to cash checks, take an account at a different edge. However, it should not be an issue. By the way, don't ask the desk clerk if you can cash the check. Just back up the thing and ask them to please dosh it. If they give you a problem, ask to speak near the manager. If you resign from without getting the check cashed, contact the corporate headquarters and complain.




Does target online ship to your house?


Question:
or to a local store?

Answer:
I believe you can do both. But the shipping to the store may depend on the store's location. Some sites such as Wal Mart only do store nativity in the larger areas.

Contact Target customer service and find out. 1-8OO-591-3869
yes obviously it does. just chk out their website. but other I think wal-mart or best buy would be a better selection!
I don't know, but Target is French owned and when 9/11 happened, France could trouble less something like innocent lives. Target does not allow Toys for Tots, a US Marine Corps. thing, or anything to do beside the US or it's military. Target does allow gay and lesbians to collect in front of its stores, because it is liberal that style, is the quote we got.

I buy from Costco or WalMart, it is a farther drive, but resourcefully worth it. Costco, especially has a great return policy, I tried taking wager on two shirts for my son that he got for Christmas at Target, and the clerck told me that it counted toward my two times per year...the shirts be too small for my son to wear, if that counts, who cares roughly speaking shopping here

Target, (so sorry if you are French Target share holder,) they do a rotten job at customer service.

Costco have an open return policy on anything bought here, and it has a great online website.




Hello ! Where can i find a detail of EU regulations on the subject of food stores ?


Question:
I'm interested in any sort of site that concentrates at most minuscule the basics and the most vital regulations not in the legislative forme but within an understandeble and casual comportment. Also , any other sites that include advice on greengrocery and grocery EU regulations and tips ... would be nice.

Answer:
Each place is a bit different. You would have need of to order from respectively locality.




Look up good point of an weak Cusip?


Question:
Look up value of an ancient Cusip?
I have an feeble stoch letter for which I own problemes finding any information about.
Company autograph: M.I.S. Solutions, Inc.
CUSIP number: 55305E105
Date on 8/9/1998 (SEMPTEMBER 08, 1998)

Where are there any clear databases of active/inactive cusip? How do I find the value at any given date within time?

Can anyone help me? Thank you

Answer:
hi try to find a website for m i s , if you do not enjoy the original qualification then your deed is on the records and you enjoy to contact them to sell it. hope this help




near the retail boom(Reliance & Bharti) within india, how this is going to impact existing retailers(shopkeepers)?


Question:


Answer:
Undoubtedly, the boom is going to give a stiff face to the existing chain retailers. As rightly said, roughly 97% of this industry is still unorganised.

The so called giant - Reliance and Wallmart & Bharti - will enjoy economy of scale contained by all near operations from procuring to distributing the stock and it results in retrenchment of cost of the commodities that are sold.

The price difference of commodities between the existing chain retailers and the reliance would be atleast around 2 to 3 Rs per part. This will surely affect the business of the existing chain stores approaching spencers daily, subhiksha etc..,

Further, Reliance is air-lifting the vegetables and flowers fresh from the farmers and so we can see green - fresh vegetables surrounded by their shelfs.

Coming to the effect of these giants on kirana (mom and pop) stores:- two factor stands tall between kirana stores and these giant.
they are, the credit sales given by kirana stores,the strong interpersonal relationship between these stores and the customers and the proximity of such stores to the buyers.

Since Reliance and other cuff retailers can not give credit sale and cannot maintain a angelic interpersonal relationship they can't wipe out kirana stores. Further, it is hopeless for them to reach every knook and corner of the country.

As a conclusion, these retail giant are going to affect the existing retail chain stores adversely but, they can't erase the mom and pop stores for atleast next 20 years or so
Your question apparently projects a gloomy picture... but the picture is not as depressing as it seems.. I would close to to clear that ORganised reltail(malls etc) is only 3 pcent while Unorganised(shops etc) is 97 %... so the retail boom may not jerk the small and medium shopkeepers now.. moreover all this retail shopping cult is an urban phenomena fairly than been a gradual over adjectives landscape of india However the picture is not entrancing in the long run... as these relations (walmarts, reliance) have deper pockets so they can eventually vaipe out the small ones... But the retail boom within FArm sector is mucu more Farmer friendly than of anybody else... and net benefits are within the favour of Farming communities solitary. hope that answers... chabaj@rediffmail.com
Retail boom in India will not affect the existing retailers much,because i would not prefer to drive on petrol to a cty square to shop for my broad needs when near is a shop next to my house,which give personalised service.




How can I politely ask a woman for a duo of her panties?


Question:
Sometimes I see them peeking out and just reflect on wow, l'd like to enjoy them. But how do I ask? Do I offer to discharge? From a woman's view, whats an all right reason?

Answer:
Panties are personal items thus I don't reflect it's appropriate for you to ask them; not even when that person is your sister. I suggest you permit her know that you liked her panty and ask her where on earth she got it from. Then you travel buy it!
Why not go out and buy a two of a kind that looks like hers, and after you can pretend these panties are hers.
Don't forget to say please.
You must be married to her within order to not outrage her or to where you'll be kneed within the nards or slapped or punched by her or her bf.




would anyone know if balifs own the right to knock on peoples doors within the street to find out where on earth you live?


Question:
isnt this wrong , and invading your rights ect, can anything be done about it as immediately other people know my buisness

Answer:
anyone can knock on any door and ask for any information they please. it's merely an invasion of your rights if they enter your premises without your blessing or a warrant... or at least probable end in.
People could refuse to come to the door or to answer and be fully in their rights. But if your neighbours turn you in for a crime afterwards its probably within their rights to cooperate
Bailifs are cops adjectives the same. But as far as it go I can ask your neighbors where you live and I'm not a cop. Are we a bit paranoid this evening?

That's freakin hysterical. They can print your name and charge contained by the paper but you regard they can't tell your neighbor? rofl
Yes they do
articulate to a lawyer




Does Reserve Bank Of India prohibits lend by bank to Hindu Undivided Families? If yes, is here any circul


Question:
There was one dcision of the Supreme Court of India that HUF is not a decriminalized entity. Inthat view of the situation, some banks hold asked change surrounded by Deed of Partnership where HUF is a Partner and asked deletion of HUF from the Partnership.

Answer:
I get that HUF status is valid under the Income Tax Act simply. In view of the traditional undivided Hindu Families' businesses, assets and incomes, this HUF status is honoured for income charge purposes. Otherwise, the Karta of the family, person not minor and incompetent otherwise, can undertake adjectives business and financial transactions in his christen on behalf of HUF.




Does anyone write assiduous resume or question or other observations when he or she is confronted beside a tentative cir


Question:


Answer:
No. I usually concentrate to learn the clean cir (whatever that is).

I have found that adjectives my notes progress unread, so a long time ago I decide to put my pen down and listen. Then as I ask question I make action of the things I know I will need to remember or a moment ago a note on how to look up the answer again.




What does it niggardly to operate "within the red"?


Question:
what does it mean to operate "within the red"? where does "operating surrounded by the red" happen on a regular foundation?

Answer:
Operating in the red manner you have refusal monies. A lot of start up business are in the red because they own to borrow to get on near feet.
Operating contained by the red means your close to one broke . Your debt is high and your within the red zone
Operating "in the red" usually means that your expenses are more than your revenues are, and that your operating change is also in the gloomy.
You could say a business operating within the "red" is paying out more on operating expenses than it is receiving contained by it's sales...
contained by other words, it's unprofitable.

On the other hand, a business operating contained by the "black" is one that is turning or realize a profit.
It means to be operating at a loss. You are not making a profit.
"Operating surrounded by the red" means an entity take in smaller number revenue than it puts out in expenses - network loss.

The best example I can give of operating surrounded by the red is the various rule bodies within the United States, especially our federal government. I don't guess it gets much more red than a multi-trillion dollar national debt.

What do YOU reflect on?




How tons HFCs are registered to NHB till date?


Question:


Answer:
C. Investments in Bonds
Investment by bank in bonds issued by NHB/HUDCO exclusively for financing
of housing, irrespective of the loan size per dwelling part will be reckoned for
inclusion below priority sector advances.
Table 3.5 Bank-group-wise disbursal surrounded by NHB/HUDCO bonds
(Amount in Rs. Crore)
1999-2000
2000-2001
2001-2002
2002-2003
SBI & Associates
49.63
46.54
40.80
0.00
Nationalised Banks
1294.98
665.79
112.67
1224.46
Indian Pvt. Banks
881.04
556.54
263.10
2184.77
Foreign Banks
41.86
93.41
61.60
81.45
TOTAL
2267.51
1362.28
478.17
3490.68
Source: IECD, RBI
A close analysis of Table 3.3-3.5 would reveal the gradual increase within direct housing
finance portfolio of adjectives categories of bank over the last 3-4 years. This indicates the
growing concentration of bank in retail housing nouns and also throws lights on
increased magnitude of competition that such huge foray by bank would entail.
Among the different bank-groups, SBI and Associates show maximum concentration
for direct housing nouns.
Banks are, however, not allowed to admit finance for construction of buildings intended
purely for Government/Semi-Government offices, including Municipal and
Panchayat office. However, banks may forfeit loans for activities, which will be
refinanced by institutions resembling the National Bank for Agriculture and Rural
Development (NABARD). Projects undertaken by public sector entities which are
not corporate bodies and not run on commercial lines may not be financed by
bank.
Opening of Specialised Housing Finance Branches
In view of the priority accorded to the nouns of housing as also to achieve
greater professionalism, the Reserve Bank opined that nearby was a necessitate for
establishment of specialised branches at certain centre exclusively to cater to
housing finance. It have been the intention of RBI that over time a housing nouns
branch should be established in respectively district through policies and perceptions for
greater involvement of commercial bank in the housing sector.
Since the housing nouns is a new concept to bank, initially the opening of such
specialised branches would be restricted to semi-urban/urban areas and the number
of such branches to be allowed would depend on the size and spread of the mound.
Page 21
Hkkjr esa vkokl dh izo`f`Uk ,oa izxfr lEcU/kh fjiksVZ] twu] 2003
Report on Trend and Progress of Housing in India, June 2003
95
In this high regard, banks are also advise by RBI to consider opening a specialised
branch contained by districts where they own a large presence and avoid space such
housing finance branches at metropolitan centre which are served by quite a few
specialised housing nouns companies and give nouns to smaller urban and
semi-urban centres where on earth there is satisfactory potential for opening of such branches.
They should also propose to cover adjectives the states to ensure a wider geographical
dispersion of housing finance branches.
The RBI also advise NHB to be prepared to take up the responsibility of training the staff to
be posted in the specialised housing nouns branches so that they are equipped
with the important skills for the work.
Risk Weight on Housing Finance
With a view to further on the way the flow of credit to the housing sector the RBI
decided to liberalise the prudential requirement on risk shipment for housing finance
by bank and encourage investments by bank in Mortgage Backed Securities (MBS)
of housing nouns companies which are registered and supervised by NHB.
Accordingly, banks extending housing loans to individuals against the mortgage
of residential housing properties are permitted to assign risk shipment of 50% instead
of the existing 100%. Loans against the security of commercial tangible estate would
continue to attract 100% risk substance as hitherto. The investments in MBS of
residential assets of HFCs are eligible for risk consignment of 50% for the purpose of
Capital Adequacy




What are barter exchanges?


Question:


Answer:
Places where you can swap items and barter services next to others. There's websites like Care to Trade and Craigslist.
Trading stock for service, or service for service. No monery changes hand.

A plumber may do plumbing work for an attorney in return for official work.




usps give somebody the third degree?


Question:
how long does it take to recieve something shipped on thursday next to PARCEL post

Answer:
from where to where on earth we can't read your mind
You may want to consider contacting their Customer Service Department to inquire about this.

They enjoy more resources that could help you.

Hope this help.

God Bless...




The Ultimatum Game - What would you do?


Question:
There is a kitty of $10.

I'm going to offer you some of the change. If you accept the submission, then we both carry to keep our share of the money. If you do not adopt, neither of us get anything.

What amount would you adopt?

Answer:
I'll except whatever amount you want me to hold, would rather enjoy something than nothing. lol
$5 sounds fine...
big money then! OKwhat would I do for $10? I guess I might take out of bed, thats about it
this is a quip isn't it,surely you are not serious,nobody gives money for free nearby is allways a catch somewhere
All depends upon morality and what respectively could bring to the party. Still, money isn't the crucial drive for all of us. PERHAPS THERE ARE HIGHER STAKES!
your loss? after I win?




What is irrelevant cost?


Question:
What are some examples of irrelvant cost in a business?

Answer:
Suppose you are an automobile businessman making two lines of cars in plants A and B. The cars you are making surrounded by plant A are manufactured at a cost of $10,000 per car.

You plan to breed a new rank of cars in plant B. Do any of the costs of work cars in plant A enter into the costs of cars manufactured within plant B? No, they are irrelevant. Only plant B costs are relevant. However, keep contained by mind that there are common overhead costs of the company that may be spread over the costs of operating each plant.

On the other paw, suppose you plan to start manufacturing equal cars in plant B as within plant A. You compute a manufacturing cost of $9,000 dollars surrounded by plant B. Now the costs of manufacturing within plant A become relevant since your new production cost will lie somewhere between $9,000 and $10,000 depending on quantity produced in respectively plant.
My believe is that all costs contained by business are relevant. Always watch your bottom string.
some costs are not deductible for tax purposes. They are prearranged as irrelevant cost. The tax law specify what these are. In my country money paid as backhanders are ok, but surrounded by some countries they are not.
Perhaps you mean contained by the context of sunk costs.




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