Finance & Business Question and Answers

hey near i stipulation a bit of counsel?


Question:
im selling a phone on ebay with a starting price of lb100 and a gent have emailed me saying if i retract my listing he will buy it through pay cheque pal for lb230 and lb20 shipping cost so i can convey it to his girlfriend who is working in nigeria. dodgy geezer????i consequently recived a email that looks like its from remuneration pal dictum he had paided for it but when i log into my pp vindication theres no txn??/?

Answer:
Nigeria is where most of these scammers come from. It's not really from reimburse pal. Forget him, or numeral out a way to report him.It's a scam for sure.
Con!! Don't do a article. It's a big scam.
Sounds dodgy - wouldn't touch the sale near a barge pole. Sorry but be careful it doesn't nouns good... Mind you, if he's rewarded BEFORE you send the item surely you would afterwards have his money? If you double check it's within your PayPal account...
Dont trust nigerians! scammers...
Have ABSOLUTELY NOTHING to do beside this guy or Nigeria. There has be a recent spate of cons over the internet from Nigeria and some people enjoy become BANKRUPT through them.
honestly it's a con done' do anything like that here are loads of cons like that and they adjectives seem to be within nigeria. I have worked in that a few years ago very corrupt. but full of culturelol
Do not do it this is a scam you will not get them money
No.dont do it, he may hold already stolen you identity. Inform paypal immediately and relocate any accounts you have near them.
DEFINITLEY a scam!
Ebay strongly advises against making any arrangement to buy/sell anything independantly from it. I agree beside everyone else, its a con and don't fall for it.

Plus I doubt its complicated to mock up an email that will tell you he's rewarded. It's all too wiffy
Ignore It, Sounds resembling a con.. Speak to Ebay and see what they say..
Send the details through to ebay and paypal so they can prevent this scheduled to anyone else.
also follow the instructions here http://www.oft.gov.uk/consumer/scams/dis...

Then enjoy your shopping as usual...
This is a prearranged scam - avoid avoid avoid.

So well certain in reality that a warning made it's style to our local paper.

I would insist on pay mate as well by the instrument as he is apparently using their name fraudulently also.
I wouldn't trust it. Sounds close to hes coning you.
Yeah it's a con. Continue selling through ebay and it might be worthwhile to add a disclaimer at the expire of each description of any item you vend saying that you will vend only through ebay, and NEVER privately. This will accumulate them getting in touch next to you to ask, hopefully. Report this to ebay too.
Any mention of Nigeria and you should run a mile.I get loads of fantasic offer from Nigeria , all dodgy .
it doesn't issue what he intends to do with the phone. perchance he wants to distribute it to mars-who cares. adjectives you care around is getting good funds AND keeping your paypal rationalization secure.

narrate him to put the money into your account. AFTER you extract the money successfully from you depiction, send him the phone.

No money-------no phone.
That is definately a scam I wouldn't transport the phone leave it on ebay and report the man to ebay. Even if he isn't registered at lowest possible they can warm others and be aware of fraud. If it sounds to apt to be true then likelihood are it is fraud!




We have need of to consult more or less finances...?


Question:
My wife and I would like to sit down and discuss finances on a regular proof. In order to be productive, what are some topics that we should continually cover surrounded by our discussions and how often should we do this?

Answer:
In my feelings, once a month is a good time to sit down and review any outstanding bills - we enjoy one person who keep all the bills and pays them, the other who organize, files them afterward - and prepares all the paperwork for taxes respectively year (it's a huge job as we hold 4 businesses between us). What we do is have a master roll on the computer, and as any outstanding bills are lowered, the list is updated. We respectively take a look at the document at the end of the month. The chief thing is, not to preserve anything secret when you are sharing financial burdens, and never to receive one person discern like they are "smaller quantity than" because they earn less... and if one being gets "an allowance" consequently the other one does too, the same amount - no situation how much each earn. Marriage is supposed to be an equal partnership, so there is no room for thoughtlessness, secrets, lies, etc. and we adjectives have hear that money is the #1 issue couples fight nearly, so a good impression is to have a chalice of wine once a month and take a look together at where on earth you are financially, how much longer until your goals are achieve (such as paying off a mortgage, loans, etc.). It's concrete to discuss money matters, but it is required.
The first thing you should do is set up a budget. When you come together you can review expenditures and make sure you are staying in your spending limits. If adjustment have to be made you can craft them.

You can also track how your savings and investiments are doing. See if you are staying ahead of inflation and how they are growing surrounded by relation to a benchmark like the S&P 500.

Review your charge situation and determine if you can do anything to lower your tax bills.

Once every month ot two should be enough to make sure you hold your finances in writ.
How much debt is it acceptable to hold?
How much are we saving for a house (if you don't own one)?
How much are we saving for retirement?
How much are we positive to pay for college (if you've get kids)?
How much money can one of us spend without consulting the other?
Do we enjoy enough insurance (home, motor, life, long possession health care)?
How much money should we donate to charities?
How much money should we depart from in an emergency fund and not touch unless disaster strikes?
You shouldn't have need of to discuss money very recurrently at all, which is a accurate thing. Because conversation about money sucks. The first conversation is the most key one. Then your follow up talks will freshly be record keeping and stat tracking. Heres the gist; Step 1) Your monthly bill summary. Not singular experts, but the credit bureau and banks rate your "risk" by how much of your money you spend on your credit report. They adjectives agree that if you spend more than 50% (smart experts say 45%) of your monthly gross (pretax) income on trackable debt (anything that shows up on your credit report-cars, mortgages, credit cards) next you are high risk. You don't want to be dignified risk, so make sure your monthly debt is smaller number then partly of your monthly gross. To get really systematic 30% should be for your home, 10% for your car(s) and the other 5% for credit cards. Your home should be paid past its sell-by date in 30yrs, the saloon in 5yrs, and credit cards monthly or by the time 0% interest runs out. Most ancestors find that they spend way more than these percentage, those same people can't afford their medication when they retire. Seriously, fear-provoking stuff. Anyway, once you have done the math on what you should spend vs what you do spend your arranged for step 2) Adjust your lifestyle accordingly. Most plausible there will be a time of year (for some people yrs, for others months) where on earth you stop aquiring new things, and start paying for the things you already enjoy. "If you want to play the piper you got to salary the fiddler!" This is much easier then the alternative, which is human being old, sick, and broke. Way cooler to be old-fashioned, sick, and medicated in Florida golfing. Step 2 is the hardest step, but the easiest to explain. Now your primed for the third and final step 3) Deciding how to invest/save all that money you most expected used to blow on miller light and blockbuster. Start out freshly putting it in reserves. Once you have save enough money to wages all of your monthly expenses for three months (emergency money. You obtain fired, you quit, you get hurt, you hear just about a sweet investment, etc. There are endless reason to have stash, and you can never save plenty. But three months is the experts favorite.) Once you've saved that much you hold two options; a) start in your favour for things that don't fit into your monthly budget, or B) start investing. I say A. If you've get this far your going to be good, live rather! Then start investing. That's it! your financially macking it! Now you just articulate every month or two when your paying bills to make sure you are staying on track and to slap respectively other on the back for doing such a great livelihood. Enjoy Florida when you retire you crazy kids!




Accounting for leasehold improvements?


Question:
if i have an operating lease on my building, and rentals are expensed to the P&L, and i trade name an improvement to it such as install a clean air conditioning system, can I capitalise this as a leasehold expansion?

Answer:
Yes you can. The air-conditioning is a long term investment so there's no solid need to recompense for it all this year (as far as files are concerned).




Within the construction industry, what is a PQS's role inside procurement?


Question:


Answer:
PQS role in procurement
Basically to Produce beside the design team and the client, a budget for the building, cost benefit analysis of alternatives, produce a pricing document and contract jargon, go out to tender analyse and select successful bid, negotiate with contractor and agree valuation, report to client monitor and control design expenditure to maintain budget. Agree final costing of construction and report rear legs as built analysis
Sure I missed something but that is the gist of it
Money for out-of-date rope really




Scammed On Ebay?


Question:
I bought a satellite receiver of ebay, The guy have 69 feedback and 100% positive, He didn't take paypal so I sent a postal instruct, a week passed nothing, so I go to email him, I noticed he have then received 2 negs, I asked him where on earth my item was he said he be waiting on a postal order to clear! I said its not a cheque! He said he rewarded it into his bank,

Anyway 3 weeks latter still nothing but every excuse below the sun. I mean why do seller suddenly go unpromising? Also short of taking him to court is there anything I can do?

Answer:
Contact ebay and explain what have happened. Explain you own emails from the seller also which verify he did receive your payment but you still don't own the goods and see what they come up next to. Good luck and hope you get it sorted in need being out of pocket.
track his address down and smash is window
Congradulations. You have be initiated into ebay.

Since you paid by postal direct there is amazingly little you can do. Contact ebay for the buyer protection program and if you can prove it they might try and get some of the money backbone but it is unlikely.
You do need to be mindful of non Paypal sellers and as a genreal rule, dont do business unless they enjoy a paypal account. I nearly get scammed by someone who was selling tickets to a soccer spectator sport and wanted to me to transport him a cash credit of lb1000 through Western Union. I rang Western Union and they advise me not to proceed with the transaction as here is a lot of fraud on Ebay.
Lesson learn - only buy through Paypal for a peace of mind.
He be probably bad contained by the first place. There is way for population to make it appear that they own lots of positive feedback! I suggest you get within contact with ebay to complain!! However previously doing so did you obtain a proof of posting account from the post office when you posted the postal demand? because without that I don't mull over ebay can do much because the seller could smoothly claim that he did not receive the postal order if ebay be to investigate. This is why I only retribution with paypal for expensive products - that way if you are scammed PayPal will repayment the money (up to a certain amount).
My husband bought a Nintendo Wii on E-bay until that time Christmas as a present for me, the person he bought it from have 100% positive feedback and like yours didn't except Paypal. In proclaim to get it like lightning he did a bank verbs and afterwards received an e-mail from E-bay telling him not to elapse any payment to this E-bayer as it is a fradulent justification - too late he'd already sent lb250 to this E-bayer and we still haven't get our money back. The solely thing we could do be to contact the Police and this has in a minute been going on since Dec 27th and we still enjoy no money back and we will probably never get hold of it back. Apparently what have happened is that someone have responded to an E-bay e-mail (which wasn't actually sent by E-bay) asking them to update their explanation and payment details, this being clicked on the link inwardly the e-mail and then the party who had sent the e-mail have direct access to this person's E-bay account and could later start selling stuff using this person's account!! The morale of the story is NEVER buy anything expensive from an E-bayer that doesn't except Paypal - we've learn the lesson the hard means of access.
Some sellers if truth be told use your money to buy the item (drop shipping businesses) then ship it to you.

If the purveyor has more than 1 or two items nominated at a time, there is a strong fortune they are a drop shipping middle man. The collect your money then command item from wholesaler then transport it to you.

Always buy from paypal approved sellers and other use paypal.
This page link below describes the steps to help yourself to if you don't receive your item from the seller or they dispatch you an item that's significantly different to that described in the almanac. If the seller doesn't respond to your emails or call, please file a dispute (the vendor can respond even if they are no longer a registered member). If you can't resolve the issue via the online dispute process, you can escalate the dispute to a claim. You can't make a claim unless you first record a dispute, as described below.

http://pages.ebay.co.uk/help/tp/inr-snad...




Why Management Information System is needed to any business organisation?


Question:
i need answer abt MIS and why it is needed and is it adjectives for Decision Making?

Answer:
MIS is a systematic approach to integrate the information collated and the organisational structure to arrive at an informed decision
" If you know & can execute something solid which can find you wealth (Not.. Money..) ...Which others don't know or haven't digit out yet specifically information" . .

If you don't know how to manage your information... someone else will better cram... before somebody steals.
In interrogate it self the part of the answer is lying i.e information, every guidance requires information on different subjects, for different uses, which help the organisation to smooth running, grow and withstand next to competitors. If an organisation Carry's its business for one year(Say), it requires information about its turnover, profit/loss, assets/liabilities, which may be compared early period information near this any organisation may come to an conclusion about their graph surrounded by business organisation. Information required by the management may vary from time to time. While preparing the budgets it requires earlier year's information and information roughly speaking future expectations for preparing budgets. Like prudent information angle will change issue to issue, which help the management for taking decision in daylight to day business goings-on.




How can i find the producers of Jordache appearls surrounded by mumbai and exports it??


Question:
I want to find out the who is producing Jordache appearls in mumbai for Jordache mumbai?

Answer:
I am sure if you do a G00GLE go through you will be able to find the answer...




FED - USD annual interest rate from 1980 to 2003?


Question:


Answer:
you may need to contact the federal reserve or other background source with a more specific rate request e.g. federal funds, prime, mortgage, etc. but the site below will donate you some info on the federal funds rate since 1990.




Help me ...should i quit?


Question:
i have only just got a jod i own been workingsince the finish off a january an di hate it and in good health i work evry saterday and sunday 8 hoursa day i am 14 and i own a sosial life and college hmmmmm im not sure wat to do

Answer:
Do you like have money? If no, then quit.
Quit
You should quit and revise how to spell
you sould not quit!!
you should not be working 8 hours a day at 14. As for work, trust me. SAve adjectives your money now, and when you are eighteen, you should own at least 20 elegant.that money will be so useful.
You involve to have more time to work on your spelling and language rules.
I think 14 is a bit young to get hold of a job. If your parents are logically able to support you, later I would highly recommend not taking any mission until you've finished high conservatory. In other words, take one entry at a time.
I assume you are working for the money, so look elsewhere, but keep the present charge.
You wanted a opportunity for money - any way you can work just one day during the weekend?

If not, find another career that you CAN work only sometime during the weekend.

Working and having a social life span - even at 40+ years old, it's still rough.

You're on your bearing to being an mature - congratulations!
With any decision surrounded by life, you've get to weight the pros and cons. Before you quit, agree to your employer and see if you can reduce or reschedule some of your hours. If the hours are firm, you stipulation to decide, is have the money you make more meaningful to you then your social go. If you really hate it, look for a different errand with better hours and quit.
Welcome to the legitimate world. Just think what it will be resembling when your 18. 40 hours a week.
I am going through the same entry. I know how hard working and academy combined is for a teenager. I am immediately 17 and I have be working since I was 14. If you are unsatisfied where you are working, quit but do it professionally. Type up a two weeks spy form stating the reason why you option to resign and bring it in to your boss. You are childish and you will be obligated to work for the rest of your life. Don't consume your teenage years doing things that bring your misery. Go out with your friends and stumble upon new empire! Find a job that you soak up when the time comes! Just don't get used to not have a job. You will stipulation one eventually! Bye hun!
you should keep your assignment not every 14 year old have job, consider about nouns and saving money and lately making your own money so you could buy whatever you want even a sports car, i advice you to hold it and try to rotate your hours. Remember there individuals who would kill for a errand at your age. Not having to ask your father for allowance... Think going on for that
Look for another first job, after quit.
well i would hope this experience you own had will put together u work harder in institution so u can have a accurate job u similar to later within life. purely think where on earth your at right now could be where on earth your at later within life honest luck in your ruling
Work builds character and your sandbank account, but you're 14. Ask yourself: Why do I work? Do I NEED the money? Is it gratifying to know that I EARNED the money I have? What's more vital, your social life or your chore? You NEED school. You WANT money and a social existence. Your choice. Good luck.
if you quit to find out it looks like your just answer
That's a lot of hours for a 14 year frail to be working. You should probably quit, or at least cut hindmost if that's an option for you.




Getting a CE Mark for a alien product?


Question:
Can anyone advise nearly how to get a CE Mark (for public sale in the UK) for a topical product and what the cost is likely to be? This would be for an item of furniture (shelving) Thanks.

Answer:
The CE blotch is your declaration that the item meet all applicable EU directives.
You necessitate to research which directives apply to your product and then enjoy the item tested accordingly.
Some directives require the use of a notify body to certify the product.
BSI can advise and also enjoy a test house.
The dti can be loyal too - particuarly if you say you are exporting to europe.




If the time gold ingots why we never buy it?


Question:


Answer:
coz we already own it. Ur time is between ur hand, u can any bless or damn it.
English please!
This statement is not literal
Unfortunately, we can't buy time.We all hold 24 hours a day and it depends individual on us how we will spend those 24 hours. After all some those make a great deal of useful and significant things during the light of day . Meanwhile, others are doing nothing and grizzling that at hand is too little time for anything...So we must try to do as much as we can in those 24 hours:)




How are interest rates determended on series I rule bonds .?


Question:


Answer:
Interest rates on All Government Securities are determined by several factors relevant at a dedicated time.These can be: need to mop up the liquidity contained by the market, divert unemployed funds from speculative market to Nationally relevant Projects, or simply to present one more Savings Instrument to the Saving Public.
The interest rate is in two parts for I Bonds. Basically, you multiply the inconstant part by 2 and give it to the fixed part. This rate is virtuous for 6 months, so you should then divide it by 2.

Here is the command site:
http://www.savingsbonds.gov/indiv/resear...




I am retired.where on earth to invest my money for honourable result.amount is 3 lacks?


Question:


Answer:
mutual fund is a good route. but if you dont know anything about mutual funds or shares next there are agencies who help yourself to care of it and give you monmthly returns.i have done a similar item.
there is a reputed co. who open a demat acc for u and does the trading for u. and gives u 7.5% monthly i.e within ur case of 3 lacks u will go and get monthly 22.5 thousand. also this is not a term base. like if u want ur inveseted money u can alswyas inform 10 days before the month extremity and from next month u r free. this is extremely safe and secured, i own done the same article. if u need more info u can page me on nnazima at yah**
Invest contained by lottery tickets
Check out this company. We just invested a correct chunk of an IRA and were rewarded next to a 12% bonus for the next 5 years on anything we invest. You can't lose any money - it's a fixed fund. Check for the firm nearest you.
Stay invested surrounded by mutual funds if you are averse to stocks. If you can stretch to 5 lakhs you could consider approaching any of the PMS - Portfolio Management Scheme of leading brokerages. they provide excellent return on funds !! Look for those which have a proven track copy and chose an option depending on your risk appetite.
invest surrounded by M.fund it will be duble in sort time dont contained by ltry ticket
(1) Put in mutual funds, anything amount of money you can put in and give notice it there for at smallest 5 yrs.
Don't put any money in in attendance that you don't plan to leave contained by mutual funds at least 5 yrs.

(2) If you want a correct Savings account, you can capture 6 % interest rate at www.hsbcdirect.com but after 2 months the rate will likely drop to 5.05 %
As you are retired you should not help yourself to any chances and invest within stocks or mutual funds as both are risky and the capital can obtain eroded. Safest bet for you will be the Monthly Income Schemes of the Post Office, where you will go and get monthly income and your Principal also remains intact.
State Bank of India splitting 3 1 Lakh Fixed Deposit, because, you feel releived which cannot be expressed surrounded by words, as you experience.
The best place to invest your money is the government bank.That is the one and only the best place than the private bank.
invest in income plan other wise within dept fund of mutual fund(low risk)
if u r in india, book a state housing board house contained by chhattisgarh, purchase a land if want to multiply,if u r alone and not a soul is to look after the plot/house deposit with post department.




Are nearby any currencies not here surrounded by the world back by gold ingots?


Question:
Most countries have gone past its sell-by date the gold standard. Are nearby any left that haven't, or that are back by silver or another standard?

Answer:
No currency is backed by precious metal any more - not even the Swiss franc.
no




Hello i wonder it any one can give support to me im looking for a wholesalers of second mitt clothes?


Question:
ive not long ago opens a second mitt clothes market but im running out of stuff swift ive tryed my hardest to find a secondhand clothes retaler but to no aveil i no theres some out there as see a load of those market stalls out there who put up for sale stuff for a quid an item any help would be greatly app

Answer:
Galong Guni!
How roughly speaking going to charity shops - lots of them have a 50p or lb1 guiderail or items in the mart? Jumble sales... Otherwise how roughly ebay - you could look for bulk sales of items... As the summer is coming how roughly car boot sale? Good luck!
local charity shop?
st.davids foundation
red cross
barnardos
Hi
Try Ebay. There are job lots contained by their wholesale section.




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