Finance & Business Question and Answers

Warm Spirit vs the Body Shop?


Question:
Has anyone ever sold products by the Body Shop and/or Warm Spirit? What was your experience? Was it profitable?

Answers:
Well my aunt sold Body Shop products and I get rid of Warm Spirit. It really depends on how your skin reacts, purely as with any product. Of course Body shop is more slickly accessible and reputable by name. I really soak up WS products because there is so much cozy stuff to choose from. Not only lotions and candles, but teas, vitamins and pillows. They just surface good. I'm not a top purveyor but I will tell you I produce a profit. I'm sure if I really promote the products and had more gathering I would make tons of money. The product truly sell itself! It's not a get rich prompt company, rather a company you get the impression good working for because you brand name others feel great!




I want to start a small business beside low invesment,if any one can supply suggest me?


Question:
I am lonely man , I have exp contained by marketing in the pen of autombile ind and i have exp contained by truck opperation,maintance. I want to start a small business with low investment .

Answers:
Well you hold alot of options unfurl in front of you.May be you launch your site concerning consultancy regarding automobile.Online tutorials .
or you can start any small firm of spare parts surrounded by same field.Moreover check site www.craigslist.com .it other have some projects interested for all type of engineers and precise people.
So you may try in attendance and set up a small workforse to complete projects also.
you can do one from the following 2 things below:

*the best "small" investment would be a business that you buy (it's already up and running and you don't need to spend close to following 10-15 years to build a business).

*or you can start a website about the subject what you get the impression like you enjoy "insider info" about. You can also build bad line business if you choice...

... yet by hook or by crook you'll need financing, great business plan, flea market analysis...
you have not stated how much money you want to invest and what minimum return you expect ? please submit details and you can also distribute me these information through email. my email tiwarygaya@yahoo.co.in

i hope i can show you some bearing
open a workshop/spare segment shop for trucks next to a celebrated road side dhaba where maxm trucks halt for rest and food for the hours of darkness near city borders


Help! I'm doing a online accounting testing! Look at the details for the query?


Question:
Selected financial statement information is reported below for Femer Corporation for the year ended December 31, 2007.

Sales $500,000

Cost of commodities sold 240,000

Depreciation expense 30,000

Other Operating expenses 106,000

Net income $124,000

Dividends paid $50,000


Account Balances Dec. 31, 2007
Dec. 31, 2006

Cash $16,000
$28,000

Accounts Receivable 40,000
30,000

Inventory 28,000
36,000

Wages payable 8,000
10,000

Using the above information, determine the cash flow from operating events for the year using the direct method.

Answers:
Cash receipts from customers is obtained by:
AR passage bal 30,000
add Sales 500,000
smaller number AR closing bal (40,000)
Equals 490,000

Cash paid to suppliers & team is obtained by:
Wages payable crack bal 10,000
add Purchases of gds & svcs {240k + 106k} 346,000
smaller quantity closing stocks (36,000)
add first stocks 28,000
less wages payable closing bal (8,000)
Equals 340,000

So:
Cash receipts from customers 490,000
Cash rewarded to suppliers & employees (340,000)
Cash generate from opns 150,000

Pls note depreciation is a non-cash item and not treated as purchases. Also dividends is a bread outflow in financing events and doesn't affect cash generate from opns.




What's the point of post and rebate?


Question:
You can pay $100 dollars for something and they will dispatch you $15 in messages.WHY? Why don't they just filch $15 off $100??

Answers:
Because a really large percentage of inhabitants do not ever mail contained by for the rebate or they do it wrong and are denied the rebate. Also it takes weeks sometimes months to go and get the rebate, in the meantime they hold your money drawing interest.

It is a way of making the product look similar to a good deal on the shelf but adjectives the while the manufacturer know that only a small percentage or rebate will be paid out.




Is within a credit card company that approves horrible credit history, short any financial guarantee?


Question:
I have poor history due to institution loans and checking accounts from college.

Is there any cards out near for people that still hold pitiful credit scores but want to establish and start rebuilding their credit?

Answers:
A secured credit card is a special type of credit card issued against a collateral. People near not so perfect credit history find, these type of credit card massively useful. Not solely such credit cards are easier to obtain but at hand use is also reported to major credit bureaus and hence they are a righteous instrument to improve credit ratings. The New Millennium Bank Platinum Visa(R) or MasterCard(R) is one such credit card. Here we will cart a good look at a range of benefits offered by it.

Standard features

No CREDIT CHECK
Approved REGARDLESS OF CREDIT HISTORY
Credit Limits UP TO $10,000
Reports to ALL 3 BUREAUS
Get CASH AT OVER 740,000 ATMs

Benefits of a platinum credit card


Emergency CASH TRANSFERS
Auto RENTAL INSURANCE
$100,000 TRAVEL ACCIDENT INSURANCE
Extended WARRANTY PROTECTION
Special HIGH INTRODUCTORY SAVINGS RATE
Read more From: http://www.credit-card-gallery.com/artic...
I've heard of a credit card company approaching that. It's called, "Orchard Bank". Check it out I expect this is what your looking for!
Capital One---but don't say I didn't tip off you! Also Orchard Bank.
Here is a list of credit cards for family with impossible credit http://www.ccvault.com/credit_cards/bad_...


How long does it rob to capture out of any system for bouncing checks or have checking accounts closed?


Question:
It has be 7 years since I had a checking vindication, and when I was surrounded by college I had 3 or 4 accounts closed, due to insuffecient funds and bouncing checks.

I enjoy taken classes on checking accounts and am ready to enjoy an account again, so I can build credit next to a bank and buy a home sooner or later.

Does anyone know what banks check when you budge to open an reason and how long any poor information is kept in the systems they look at.

Thanks!

Answers:
This type of information will be on your credit report for seven years at the most so you should be fine. Many bank will not run a full credit report to query this type of information on a routine principle, and should understand that we adjectives make mistakes and that you are immediately ready for the financial responsibility of a hill account.

Good Luck!
Have you checked out any Credit Unions? They tend to hold out more personal service and not always look at chronological banking troubles. I have trouble many years ago after a divorce and I own had no trouble next to my CU. I have four accounts next to two different Credit Unions. They are much more pleasant to work with, as a common rule!

Good luck!
If you still owe money on these accounts they can still be reported. If you have disputed these accounts, that can prolong their duration, simply because the agencies reset the reporting date after investigating a dispute.

If you enjoy no negative accounts on ChequeSytsems and are concerned that you still can't find an account because of your credit, try going to Washington Mutual (if they're contained by your state). They check Cheque Systems but do not check your credit.


Retail Manager: What's it Really Like?


Question:
I'm considering a career within retail management. I've worked for a year and a partially at a small-medium retail department store (one floor), ten months of which I was a supervisor (keyholder), opening/closing the store, cashing contained by and out, training new human resources, etc. I loved my job. To me, it's a dynamic, fast-paced industry, next to room enough for me to trademark my personal mark on the store or location I muddle through, while still having rules and boundaries to stay inwardly; a balance similar to that pleases me.

What's it really like human being a manager? Were at hand any parts of the job that surprised you? Was anything different than you expected? Was here anything you wish you'd prearranged before you any went into administration, or business school for organization? What is the pay rank really like? I be told by my parents that I'd 'have to get a husband to support me', but I don't supervision, if the job is anything similar to it seems. Thanks unbelievably much!

Answers:
I enjoyed one a retail manager, and sounds resembling you've done quite a bit working towards becoming a branch of management. The stress is surrounded by trying to make the margins, and making sure your store is what your inspector wants it to be. Then as you would expect dealing with hand issues, and making sure all the money add up at the end of the sunshine. The pay at the store stratum isn't much, the money would be above the store level, close to a district or area checker. I never went to academy for business management. Worked my channel up. I think experience speaks volumes surrounded by retail. Most of the turnover was surrounded by college graduates that be hired in and didn't know the business really well.
I similar to having some responsibility, but i also similar to having a moment ago one more character above me in travel case things get too unshorn. For instance, i'm an Asst. Manager, and if anything goes unpleasantly wrong or there's a really pissed off customer, I don't really own to deal next to it. The owners tend to bust on the GM before me, too. So within short it'd take a hell of a bring to the fore to be a general official, but i love the moderate responsibility of an AM.
managing people sucks because they are so stupid. Employees call upon in near ridiculous excuses to miss work like "my grandmother is surrounded by the hospital" well, are you a doctor? what are you going to do for her? and customers suck. They come up with they're always right and believe me, they're not. People are stupid. And retail make a person cynical. Other next that it's fine


How to initiate getting hired for an investment bank internship?


Question:
I am currently looking for an internship to do during my junior year at a top 50 university. I have already created a resume and cover epistle, along with researching possible employer (such as Merrill Lynch, Morgan Stanley and UBS). However I do not know where to travel from here. Should I mail my resume and CL to the companies first, or should I phone call their HR department first? Or is there a completely different route I should hold? I'm open to proposal or suggestions.

Answers:
A couple of thoughts from someone who did the same point when they were contained by college:

1. Regardless of what results from my other advice, yes, be in motion ahead and send contained by your resume.

2. Check with your recruit office -- see if they enjoy lists of alums who are of a mind to help alumni and see if within are any alumni so listed at any of the investment bank. Then try and use those contacts. Same thing if you are within a fraternity or a sport or any organization where on earth you can find a contact to introduce you. Connections are key for internships.

3. If you are a minority or a woman, you can look into SEO -- I don't know if they are still around but they use to hire minorities and women for summer internships contained by investment banks.

Good luck.

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I am living outside of the cohesive states but am interested surrounded by getting a duty surrounded by the US within nouns, but how?


Question:
i have a undergrad surrounded by finance and am within the process of completing an mba in accounting and nouns but do not have a clue on what i should do contained by order to take a job surrounded by the US, is it difficult and what is the procedure

Answers:
The most difficult part will be finding an employer who will be ready to sponsor you for a work visa. You cannot work in the US in need a work visa, and there are two types:

- makeshift work visa such as H1B where you can work surrounded by the US for a limited interval of time (with H1B it's 3 years renewable for another 3 years)

- employment immigration which leads to green card or long-term residency but the process is longer and often requires documents from the Dept of Labor

To find an employer, you need to hold a strong resume, preferably with few years of outstanding experience. Remember, you will be competing beside graduates from US university -- so think why will a US company hire you vs. an MBA graduate from Harvard or Stanford?

The easiest style will be to go to the US and attain some courses here, or MBA if that's possible. I know of a lot of foreigners who took their MBA surrounded by the US and easily found employer who will sponsor them

Or come to the US and visit, and while here start sending your resumes to companies. They will be more responsive contained by the sense that they can easily interview you as you are contained by the US as against when you are still in your country. Unless you are extremely special, companies will not interview you if you are still surrounded by your country and they will have to spend for your airfare and such to bring you to the US.

And if everything else fail, there's always the substitute of marrying a US citizen :o)
You should stay where on earth you are. Get a job beside a US firm based surrounded by your corner of the world. When (dare I say IF) you prove yourself worthy after the company will sponsor you to come to the States.


Should i go.?


Question:
my xbox 360? my friends offering 300 bucks for it. its the core. and im thinking about selling it an later buying some apple company shares with it. is that a appropriate idea??

Answers:
hi check this join its good




http://buyingandsellingshares.blogspot.c...




.




What does it suggest when a financial rating firm (Moody's and Fitch) raise the rating of a company and what's


Question:
the benefit to that company

Answers:
Financial ratings are what people look at when select a company. They want a company with a righteous reputation that is financially immobilize. The higher the rating the better for the company because this will increase the amount of consumers wanting their product.

For instance, when select an insurance company, you would want to make sure that it is one that is to say going to be around for a while and financially sound, competent to pay claims. If you preferred one with a low rating, they may shift bankrupt when you requirement them the most. Insurance has guards to protect consumers against this placed by federal regulation but to collect is a hassle, lots of time and red tape.
It mode that the rating company believes something about the target company changed for the better (earnings, competition situation, CEO, etc.), and hence the company should be rated sophisticated than it was previously. Typically, ratings are something approaching:
sell, hold, be credited with, strong buy.

The benefit to the company, provided the rating is higher, is that it call attention to positive improvement, and and so investors may choose to invest in the stock. Also, other rating companies may incline their ratings as well. This cause the stock price to rise, sometimes dramatically.


Simon Mall Gift cards?


Question:
Can you use a simon mall endowment card at a non-simon mall, and do you hold to activate it online since you can use it in a store?

Answers:
No, you cannot use a Simon Gift card at a non-Simon precinct. That's what makes it a Simon offering card. That would be like using a Target payment card at Wal-mart.

You shouldn't have to set in motion it, as that is done when it is purchased. Just be sure to use it by the "expiration date", otherwise it may lose advantage.




What duties do the member of an LLC owe to respectively other?


Question:
What duties do the members of an LLC owe to respectively other? Under what principle might the terms of an operating agreement alter these duties?

Answers:
In most states (LLCs are creatures of state law), member of LLCs most closely approximate shareholders while managers of LLCs approximate officers/directors. Similar to corporations consequently, member of LLCs enjoy very restricted duties to their LLC but managers hold duties of care and loyalty similar to those of directors.

Think of this example: you and Bill Gates both own Microsoft. As you are a shareholder but not an officer or director you own very few duties to other shareholders of Microsoft. However, Bill Gates, not because he is a shareholder, but because he is a board accomplice and an executive, has significant duties of trouble and loyalty to the corporation. Similarly, purely by being a beneficiary of an LLC a member may not hold significant duties, but a member-manager has duties of effort and loyalty.

In many jurisdiction, unlike under corporate imperative, managers of LLC may curtail their fiduciary duties by express agreement in an operating agreement. However, make a note of that this varies from state to state -- contained by California for instance a manager's ability to disavow fiduciary duties is much more delimited than a Delaware LLCs.

Hope this help.

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I hold a group interview at bloomingdales tomorrow?


Question:
I had a retail position 5 years ago. The position im applying for is commission sales womens dept. Do you focus if I put $10 an hour I'm asking too much? what is the expected salary for that type of a position?

Answers:
Don't put a $$ number, simply read aloud "open" as in..get underway for negotiation.

concentrate primarily on giving answers that show how you benefited your previous employers.
I agree next to Doran..open is a flawless thing! Then you can vend yourself and thats what you will prolly have to do..if its a group interview..abundant applying...good luck.


Does anyone know where on earth to convey an I-9 form to?


Question:


Answers:
Employers are supposed to keep the productive I-9 forms. Are you and employee or an employer?
You dispatch them to the HR Department. They have to preserve them on file surrounded by the event of an audit to prove all workforce are legal personnel.


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