Finance & Business Question and Answers

Does anyone know of a GOOD timeshare resale company, not a bunch of rip-off cowboys?


Question:


Answers:
Rip off cowboys ?? THOSE are the general public who sell them originally!

If you are trying to put up for sale yours, they are very difficult to go. There is so much inventory with few buyers. Many timeshares are virtually unsaleable.

If you are looking to buy one, it's a buyer's souk.

What makes a timeshare resale company "GOOD" ??

You can buy and provide them on eBay, many don't vend. The industry is built on lies about effortless exchanging etc..

Many people love them and find pro in them, but abundant others are unhappy and want to receive out of their purchase agreement, but can't.

Some properties are desireable. What makes someone a rip past its sell-by date cowboy anyway ?
Didn't know there be any good ones.
You can download a detail of "Companies that Cheat and Defraud" from the web so that you do at smallest know ones not to touch.
Maybe someone has made a account of "goodies", too.
the welcombe hotel in stratford upon avon, menzies group i guess.
The safest way to flog them would be back to the timeshare resort, if they want them fund. If not try the timeshare forum on the Internet. They usually have something to read aloud about the unbroken subject.
It's good to marketplace your property in oodles places. I personally own had nouns using Sellmytimesharenow.com and recommend checking them out. Some free/cheap places to try as well are craigslist.org and ebay.com. When you are selling your timeshare bring in sure you depreciate it from your original purchase price (if you bought it from the resort). Most timeshares depreciate AT LEAST 30%.


Flour is used to variety bread. If the price of flour increases..?


Question:
Which is the correct answer:

a - the demand for bread increases
b - the constraint for bread decreases
c - the supply of bread increases
d - the supply of bread decrease

Please help!

Answers:
d
d
d
D, rationale I will put my PB&J on chesse before I pay packet to much higher prices.
neither. i believe the price of bread increases. but if i had to choose one of those it would be.d.


Whats a Good aspiration for my Resume?


Question:
I am applying for numerous customer service positions and need any right suggestions for an objective on my resume.

Answers:
I abhor the objective slot. Just leave it blank and seize right to your qualifications. Otherwise, be intensely specific.
Looking for employment with surrounded by the customer service area that will utilize my experience, as very well as, expand my knowledge.
"I would close to a job which pays in good health, but does not really require much in the channel of effort."

- simply kiddin'. But honestly I don't put an objective within my resume. I only simply state coaching, experience, certificate etc. But if you want to put an purpose, I'd recommend writing up a sentence precisely stating what sort of position your looking for. Something like...

To desire out a position that would draw on my education, admin experience and willingness to swot up while further developing my skills and expanding my knowledge through a squad atmosphere.


Is this a scam on craigslist?


Question:
I recieved a lot of emails within the past unbelievably similar to this one and i was wondering if it be a scam or not

Gooday seller,
I''m Smith, And i come across your ads and i am higly interested within it. It has be a long while since i have be searching for it. If you are interested contained by selling it to me, mail me something like the present condition and the pic, if available. Dont worry nearly the shipping, i will handle that. I own my reliable shipper who ship my good to where on earth i want it. Regarding to the payment i will salary by Cashier''s Cheque or Money Order. Do mail me if you are interested my extend.
Regard...

if so how is it a scam how would they scam me

Answers:
Yes it is a scam...I got like peas in a pod email because i sell stuff on Ebay,they usually ask for your credit details OR they articulate they posted the cheque and then complain when you vote you never got it.
scam
It is confirmed to be the scam from our experience.

If you are serious in the region of earning money through internet, I would to some extent you consider of setting up your own internet business instead. The investment cost is also rather low compared to others.

There are seriously of internet business models you could consider of (e.g. buying and selling domain names, affiliate marketing, auctions, selling digital or physical products, creating salaried newsletter or websites and many more).

With a proper system setup and correct network marketing strategies, you could start to earn some passive income.

Find out more from the intertwine in my profile. It will put in the picture you how to setup a successful online business step by step regardless of your experience and background. It will also explain to you what are the reason at the back each step, how you could progress about doing it and where on earth you could get the critical resources free or at a low price.

Hope that it will be helpful to you.
First of adjectives, do you have any unseal ads on Craigslist??

If you've received various e-mails similar to this one then I would agree that it sounds approaching a scam, however, if all they are asking for is a pic afterwards you could post that on your ad, update the announcement with exactly what he's asking and afterwards e-mail him the link rear legs to your ad stating the pic is on in attendance as well as the updated information.

If he's not asking for any personal information, such as paypal explanation info., physical address, bank story info or anything like that, what will it hurt? Then this method if you don't hear back you'll know it be a scam and not to waste your time if you capture another e-mail like this.

If this entity later states he sent a money decree but, never received the package, report him to fax or mail a copy of the money decree. My bet is he/she never will.
Take the advice given by Whatchagonnado and follow her suggestion to avoid being scammed.

Goood luck!


What are the risks associated near tools?


Question:


Answers:
I could say you could detonation your thumb with a tack hammer, but unless you give more information of what you tight-fisted, that's the best I could give you.
A chainsaw can raison d`¨ºtre alot of damage if used terrifyingly.
slow at they're jobs, never turn up in good time......
A hammer can accidently hit you on your appendage or finger.

A chainsaw can destroy property or hurt someone defectively if you play around with it.

A drill you hold to use properly and balance it right so it wont slip away and mete out damage to substance or human.

=) Thats all I could really meditate of. Hope I was a relieve.
You could slip using a screwdriver and put it through your hand.
From minimal - slight injury - to annihilation. Always make sure you know what you are doing and hold been trained next to the particular tool.


How to find a index open market return (km within the CAPM formula)?


Question:
the average monthly returns for S&P500 during the last 10 years. How do i be in motion about finding the average monthly return? adjectives i have is the prices.

Answers:
Technically, contained by order to find K(m) within CAPM, you need:

1. the ENTIRE history of the S&P 500, not a moment ago the last 10 years.
2. the inauguration price and the latest price.
3. You find the GEOMETRIC annualized returns (as dead set against the arithmetic annual returns).


If this is a class exercise, then use what you enjoy. Use the first price and the last price. Then find the geometric average:
[(Ending Price/Beginning Price)] ^(1/10) - 1

There... that's average annual bazaar returns (or expected market returns). Of course, in that is index bias (i.e. change surrounded by index members to singular include the strongest) and survivorship bias (i.e. doesn't include the ones that went bust).




Prices for Yard Sale?


Question:
Me and my friend, want to have a patio sale. We hold some stuff we want to sell, but what would be fitting prices for these items? Just name some volatile items and think of apposite prices for them so I can get a flawless idea. Thanks!

Answers:
It depends alot on how hastily you want to get rid of stuff. Of course the lower you price the faster things will trade. Usually clothes in pious condition could go for $2 - $3 for nice shirts or pant. A suit could sell for $5 - $10. Cups and specs usually from 10 cents to 50 cents. Shoes can go anywhere from $1.00 for some wear to $5.00 for a really nice two of a kind. Knick knacks usually 50 cents to $3.00 depending on condition and whether or not it is a collectors item. Books you can usually get 50 cents to $1.00. Just remember start near a higher price contained by the morning. You can always drop your prices next or offer 1/2 stale. And remember, people other want to wheel and do business at garage sales. So if you price rather higher you can come down on a price for someone which make them feel approaching the got a really suitable deal.
i believe courtyard sales are for cleaning out and doing away near.. the easiest way 2 do that, is to blemish everything with CENTS and low dollar amounts. Of course some things would be surrounded by the 15 dollar range.. items contained by GOOD shape that someone still might need~ but as far as used clothes and shoes and all that.. suggest 'goodwill' and make them 50 cents to a dollar!
why didn't you invite me? :(


Send surrounded by a dollar?


Question:
A little while ago I remember that there be companies that would send kids stuff if they sent within a dolar in the messages. Do these companies still exzist? and if they do where can I find one?

Answers:
Are you discussion about those little pallid booklets that were titled close to "free stuff for kids to write away for" ? I used to have one when I be like 10 (im 15 now) and I never get anything back when I sent sour for stuff. I dont remember the title exacly but I am pretty sure I know what your talking just about. Im sure that they still do make them...but finding one is the problem.




1st class stamped note did not realize destination. have to revoke cheque. what to do?


Question:
3 weeks ago i sent a cheque to pay for an item from ebay. i contacted the merchant and they told me they had not recieved it however. so i rang my sandbank and had to go against the cheque (cost me lb10 to cancel!).

I sent the missive using a normal 1st class stamp. Is here any way to find out where on earth my cheque went. (i put my address on the rear legs of the letter contained by case it did not deliver). Can i gain compensation for my losses from the mail company? If so how? Thanks for any insist on you can give me?

ps. i usually reimburse via paypal but the seller would not adopt this method so i had no choice but to convey a cheque (better then cash/postal decree as i could stop it, but i will never send a cheque via post again).

Answers:
Does UK postal service have any benign of delivery confirmation that the receiver has to sign to seize the envelope? - That would help
It depends on how filling your article of mail be, where it be going, and if that First Class Stamp is still worth as a First Class Stamp.

Since I do not know what country you are in, I can't sustain you very much.

I do know, that contained by the US, if you want your mail to be insured, tracked, or hold delivery confirmation, the price go up to $15 USD. A first class stamp is not worth nearly that much.
Therefore, no compensation is given to you, and ou don't know where your letters is.


A gross profit rate of 25% beside a cost price of $90. How do you subtract the vend price & spot up %?


Question:


Answers:
Gross profit is a mark up, which is 25%
Sell price is $90.00 is 75%, so 25% is $30.00
Sell price = 90+30=$120.00,
I hope this help.




What would a paint construction and a hositpal be a Job Order Costing or Process costing??


Question:
What would a paint manufacture be a hositpal be... IM confused on which one they would be... For accounting what would they be Job Order or Process Costing

Answers:
Paint industrial uses Process costing which means product cost are placed on a pool and after allocated to the Work in Process and Finished Goods. Hospital uses errand order costing, which allocates cost base on what is actuall used.

You don't want your hospital bills to include cost that you did not incur that's why it uses job directive costing.




How do u block r number from telemarketers?


Question:


Answers:
Easily. Add your name and number to the national do not appointment list at*www.donotcall.gov * and you will be smaller number harassed by these telemarketers each day. Unfortunatley some companies do not obey adjectives laws and you will be bothered at some point contained by the future beside a call.
Get a silent number. There is a allowance though. Call your phone provider for more information. However, you may still get a few and far between ocassional call from a Telemarketer but it's better than millions
When you pick up the phone to a 1800 number say aloud, "City morgue. You stab 'em, we slab 'em. Which stiff would you like to speak near?"... They'll stop calling eventually. lol.
get a unpublised and unlisted number from your phone co. after you may get a ocasional telephone call from computer generated calling


Is this right for calculating a TIE ratio?


Question:
Earings b/f interest and taxes (EBIT)
------------------------------...
Interest charges

44,790
---------
(418)

(EBIT) = 44,790

(418) - what I dont get it why the () are around the 418


? any comfort

Answers:
parentheses around a number within financial statements just finances it is a negative number or expense/charges (since companies can also earn interest income).
generate sure you take the 44,790 divided by simply interest charges...if it is 418 then your tie ratio should be 107 times
You forgot to factor within the angle of attack from the oncoming X-Wings and A-Wings at your 4 o'clock high, as okay as yours for the B-Wing you have that you're trying to lock on.

lol Sorry, the inner bore had to come out.
Times Interest Earned - TIE
A metric used to index the ability of a company to bump into its debt obligations. It is calculated by taking a company's income before interest and taxes (EBIT) and dividing by the total interest payable on bonds and other contractual debt. It is usually quoted as a ratio and indicates how frequent times a company can cover it's interest charges on a pretax basis since downfall to meet these obligation could force a company into bankruptcy.

Times Interest Earned = EBIT / Total Interest

Notes:
Ensuring interest payments to debt holders and preventing ruin depends mainly on a company's power to sustain earnings. However, a high-ranking ratio can indicate that a company has an undesirable paucity of debt or is paying down too much debt with proceeds that could be used for other projects. The rational is that companies would verbs greater returns by investing their earnings into other projects and borrowing, at a lower cost of means than what it is currently paying for it's current debt, to meet it's debt obligation.

Also referred to as "interest coverage ratio" and "fixed-charged coverage".

See also: Cost of Capital, Debt-Service Ratio, Credit Risk, EBIT, Paydown

given that, the debt serve-down ratio in this example would be -107.15311 or since debt serve-down ratio would most possible be a positive number 107.15311. I have no opinion if that's good or not. Or if I figure that right.


What is the component that links the three prime financial statements? Explain how?


Question:


Answers:
The 3 main financial statements are the stability sheet, the income statement and the statement of changes contained by equity.

The income statement will contain figures to arrive at profit previously tax, import tax, and profit after tax. The profit after charge will go into the retained yield column in the statement of change in equity to be added to hole retained earnings to hand over the closing retained earnings. The closing retained yield figure will travel into the balance sheet as an item underneath Shareholders' equity.




Opinion sound out........?


Question:
Does anyone think that comparisons of a firm to its industry average is adjectives? and also, that a firm should aim at having liquidity ratio and asset management ratio equal to the industry average? if yes or no, why?

Answers:
They are useful up to a point as at hand are limitations to ratio analysis. Such comparisons are only a extremely general guide to what other companies surrounded by the same industry are achieve. You shouldn't kill yourself a short time ago because you lost in the comparison. I found a markedly useful article on Limitations of ratio analysis and I'd close to to share it with you.

Limitations of ratio analysis

1. Accounting Information
* Different Accounting Policies
The choices of accounting policies may distort inter company comparisons. Example - IAS 16 allows valuation of assets to be base on either revalued amount or at depreciated historical cost. The business may opt not to revalue its asset because by doing so the depreciation charge is going to be elevated and will result in lower profit.
* Creative accounting
The businesses apply creative accounting surrounded by trying to show the better financial performance or position which can be misleading to the users of financial accounting. Like the IAS 16 mentioned above, requires that if an asset is revalued and within is a revaluation deficit, it has to be charged as an expense surrounded by income statement, but if it results in revaluation surplus the surplus should be credited to revaluation reserve. So surrounded by order to increase on its profitability level the company may select surrounded by its revaluation programme to revalue only those assets which will result within revaluation surplus leaving those near revaluation deficits still at depreciated historical cost.

2. Information problems
* Ratios are not definitive measures
Ratios necessitate to be interpreted carefully. They can provide clues to the company’s operation or financial situation. But on their own, they cannot show whether performance is honest or bad. Ratios require some quantitative information for an informed analysis to be made.
* Outdated information surrounded by financial statement
The figures within a set of accounts are likely to be at tiniest several months out of date, and so might not supply a proper indication of the company’s current financial position.
* Historical costs not suitable for decision making
IASB Conceptual framework recommend businesses to use historical cost of accounting. Where historical cost convention is used, asset valuations within the balance sheet could be misleading. Ratios base on this information will not be very adjectives for decision making.
* Financial statements contain summarised information
Ratios are base on financial statements which are summaries of the accounting records. Through the summarisation some defining information may be left out which could own been of relevance to the users of accounts. The ratio are based on the summarised year extension information which may not be a true reflection of the overall year’s results.
* Interpretation of the ratio
It is difficult to generalise give or take a few whether a particular ratio is ‘good’ or ‘bad’. For example a large current ratio may indicate a strong liquidity position, which is good or excessive change which is bad. Similarly Non current assets turnover ratio may denote any a firm that uses its assets efficiently or one to be precise under capitalised and cannot afford to buy satisfactory assets.

3. Comparison of performance over time
* Price change
Inflation renders comparisons of results over time misleading as financial figures will not be inwardly the same level of purchasing power. Changes in results over time may show as if the enterprise have improved its acting out and position when in reality after adjusting for inflationary change it will show the different picture.
* Technology changes
When comparing enactment over time, there is inevitability to consider the changes contained by technology. The movement in behaviour should be in procession with the change in technology. For ratio to be more meaningful the enterprise should compare its results next to another of the same plane of technology as this will be a good argument measurement of efficacy.
* Changes in Accounting policy
Changes within accounting policy may affect the comparison of results between different accounting years as misleading. The problem with this situation is that the directors may be capable of manipulate the results through the change in accounting policy. This would be done to avoid the effects of an ripened accounting policy or gain the effects of a new one. It is possible to be done in a sensitive time of year, perhaps when the business’s profits are low.
* Changes surrounded by Accounting standard
Accounting standards offers standard ways of recognising, measure and presenting financial transactions. Any change surrounded by standards will affect the reporting of an enterprise and its comparison of results over a number of years.
* Impact of season on trading
As stated above, the financial statements are based on year stop results which may not be true reflection of results year round. Businesses which are artificial by seasons can choose the best time to produce financial statements so as to show better results. For example, a tobacco growing company will know how to show good results if accounts are produced within the selling season. This time the business will have devout inventory levels, receivables and guard balances will be at its peak. While as in planting season the company will have plentifully of liabilities through the purchase of cattle farm inputs, low cash balance and even nil receivables.

4. Inter-firm comparison
* Different financial and business risk profile
No two companies are the same, even when they are competitors surrounded by the same industry or flea market. Using ratios to compare one company next to another could provide misleading information. Businesses may be within like peas in a pod industry but having different financial and business risk. One company may know how to obtain mound loans at reduced rates and may show high gearing level while as another may not be successful in obtain cheap rates and it may show that it is operating at low gearing level. To un informed analyst he may discern like company two is better when contained by fact its low gearing rank is because it can not be able to out of harm`s way further funding.
* Different capital structures and size
Companies may hold different capital structures and to formulate comparison of performance when one is adjectives equity financed and another is a geared company it may not be a good analysis.
* Impact of Government influence
Selective application of administration incentives to various companies may also distort intercompany comparison. One company may be given a export tax holiday while the other within impossible to tell apart line of business not, comparing the working of these two enterprises may be misleading.
* Window dressing
These are technique applied by an entity in directive to show a strong financial position. For example, MZ Trucking can borrow on a two year basis, K10 Million on 28th December 2003, holding the proceeds as change, then take-home pay off the loan ahead of time on 3rd January 2004. This can upgrade the current and quick ratio and make the 2003 harmonize sheet look good. However the development was strictly fanlight dressing as a week later the set off sheet is at its old position.

Ratio analysis is adjectives, but analysts should be aware of these problems and make adjustment as necessary. Ratios analysis conducted surrounded by a mechanical, unthinking demeanour is dangerous, but if used intelligently and next to good judgement, it can provide adjectives insights into the firm’s operations.
Comparing the different ratio to the Industry average is the best way to preserve up with the celebration of the company in the respective industrial class. The industrial average is just the average of the performance of adjectives industries in the class. If your ratio are better than that then you enjoy perfromed beyond the industry expectations. If less otherwise.
The different classes of ratio used are liquidity, liability, activity and profitability. This is one of the most substantial way to evaluate your performance surrounded by the system you exists in. Also you can find out how and which processes contained by your company is badly performing whic is also vastly improtant.


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