Business & Finance - 2 August 2007

My mortgage is not fixed rate any more but I can make overpayments without penalty just feel monthly repayments are high for such a small mortgage. I want rid of it in the next few years would a loan be better?

2007-08-02 23:54:21 · 5 answers · asked by Miss C 1 in Personal Finance

2007-08-02 23:21:57 · 1 answers · asked by Anonymous in Renting & Real Estate

My fiance completey supported me through 2004, can she file as Head of Household? Also, I have since gone into business for myself and am self employed. I live in a different apt and city than I did in 2005. So when I file my past return now from 2005, do I use the address I lived at THEN or the one I am at now? THANKS!

2007-08-02 23:21:08 · 3 answers · asked by ImaDork2 2 in Other - Taxes

Just trying to rebuild my credit, my student loan is almost paid and i'm getting a small personal loan as a substitute. I have 2 credit cards that i'm paying in full every month.

2007-08-02 23:02:42 · 6 answers · asked by Dennis L 1 in Credit

Dear Friends...I have received a job opportunity with Tinapa Business Resort at Nigeria....which looks to be good....are there information which will be useful to me to grab the opportunity or not???/......... i will be available at +91 9327018885....waiting reply soon

2007-08-02 22:44:10 · 1 answers · asked by Anil Kamalia 1 in Other - Careers & Employment

What is this in lamens terms and how would one qualify? Thanks!

2007-08-02 22:36:19 · 3 answers · asked by ImaDork2 2 in Other - Taxes

(I worked at a "family owned" greek restaurant just for one day cause they need a "dishwasher", when the owner showed up shortly before closing time, & noticed how I had everything set up, & he yells: "WHAT'S THIS?!! anyways he blew up on me, was yelling like a "bat out of hell", washing & slamming dishes, (& I'm like backing away & thinking; "I'll never work for this ****** again!")however I did the job, he'd yell at me like I'm purposely trying to do the job wrong, (I've got 15 yrs. exp.)

2007-08-02 22:34:48 · 8 answers · asked by strange-artist 7 in Food Service

2007-08-02 22:16:38 · 3 answers · asked by lydel 1 in Personal Finance

ok so heres the situation.
I live in California.
I just graduated from college and I am making 46000 a year.
I am single, no property, nothing.
I claim myself in my taxes, not my parents.

So the question is, I filed 2 for my taxes so every paycheck is slightly bigger since the government doesnt take as much. However, when it comes to april, and I claim what i really am, a one, will i end up paying taxes? thanks

2007-08-02 21:57:45 · 6 answers · asked by mrxalex319 2 in United States

If I take job with US corporation but work at subsidiary in Japan what are tax implication...Do I pay Tax in US, Japan or both.
Do I take Japanese yen or in US dollars in wages?

Can someone answer this in complete detail

2007-08-02 20:49:37 · 2 answers · asked by Poor and Hungry57 2 in Other - Taxes

1. Perdue Farms, Inc., has been a privately held family owned company since 1920. Over the years Perdue has become vertically integrated in order to be more competitive and maintain financial stability. Perdue’s objective is to be the leader in broiler and related poultry products in the industry. They strive to maintain quality and constantly improve efficiency and service, both today and in the future.
Perdue Farms Inc. has a mission to provide the highest quality poultry and poultry related products to retail and food service customers. They want to be the recognized industry leader in quality and service, providing more than expected from their customers, associates, and owners. They will accomplish this by maintaining a tradition of pride in their products, growth through innovation, integrity in the management of their business, and commitment to Team Management and the Quality improvement process.
Perdue’s overall mission is strong but a strategy for long term growth and market development needs to be reviewed and evaluated.
2. Perdue Farms Inc. has numerous external opportunities and threats. The external opportunities that effect Perdue are as follows;
• To broadly diversify and have greater market share, domestically and internationally
• To increase marketing of healthy image products that envelops a strong niche market.
• To ship via plane, to maintain fresh not frozen broilers and increase market share and penetration.
• Develop new markets in the Upper Mid-west to increase market share.
• Increase sales of food service chicken and turkey from 20% of overall sales to 30% due to a strong 12% growth rate.
• To expand the international grain and oilseed market
• With an increase push on health in 1994, chicken sales are up over red meat sales.
• Average annual consumption of chicken is up to 80lbs/person/year, an all time high.
The external threats are as follows:
• Most of the competition sells frozen products for less money.
• Perdue’s cost to raise chickens is above the national average.
• Growth rate in chicken sales is only 5% due to lack of frozen line.
• Over capacity of chickens has reduced wholesale prices, which reduces profit margins.
• Competition is strong in broiler industry with 53 competitors.
• Untapped markets in the Upper Mid- west need to be explored.
1. The Perdue Farms, Co. has internal strengths and weaknesses that need to be addressed and evaluated; The strengths are as follows;
• Perdue is vertically integrated which means that they produce the chickens, they breed, hatch the eggs, they select the growers, build Perdue chicken houses, formulate and manufacture their feed, oversee care and feeding, operate their own processing plants, distribute via truck and marketing. They now also sell what used to be waste, such as the chicken feet that is sold to the Orient as a delicacy.
• Privately held firm
• Technologically advanced, ex.,20% more breast meat than the competition
• Birds are fed organically and not feed additives.
• Sell both raw and pre-cooked chickens and turkeys.
• Good compensation package to the workers.
• Non-union company.
• MIS efficient and essential to operating the business.
• Good variety from fresh oven stuffer roasters, cooked prepared foods, cutlets, tenders, Fit n easy and much more.
• Good TQM with mission and vision
• Excellent R&D for better meat to bone ratios.
• Keep overhead low, quality up
• Great diverse product line that has changed with consumer changes.
• Horizontal diversification when they bought Showell Farms, which made them the third largest producer in the broiler industry.
• Great social responsibility, code of ethics
• Environmentally concerned about waste and prevention
• Strong effective marketing
The weaknesses in the Perdue Farm, Inc. case are as follows;
• They only sell fresh not frozen chickens
• Deliveries are only made by truck so the radius to overnight chickens is limited.
• Lack of long-term planning for future changes
4) I would suggest a strategy that Perdue would focus on maintaining their quality and efficiency along with plans for extensive market development. I would like to see them expand into the Upper mid-west before other markets gain strong holds and market share. If Perdue plans on maintaining their place in the market they need to expand and continue to diversify their products to attract niche markets and stay ahead of the competition.
According to Porter’s generic strategies, he points out that in order to gain the competitive advantage companies need to draw from three bases: cost leadership, differentiation, and focus.
In my study of Perdue, I feel that they are a differentiation and focus orientated company. First, I see Perdue as a leader in quality and efficiency but not a cost leader. Cost leadership implies that you strive to be the low-cost producer in your particular industry. This is to the contrary for Perdue; they have marketed in a way to make the consumer pay a little more for a better product. In fact, this did not happen by accident. Perdue did not want to be known as the cheapest but to be the best quality for the consumer, at a fair price. What Perdue does take from cost leadership is that they are highly efficient, low overhead, their intolerance to waste, broad span of control, rewards linked to efficiency and cost cutting measures and open lines of communication between workers and upper management. Perdue’s successful strategy of horizontal integration to gain competitive advantage was to purchase Showell Farms which made Perdue the third largest broiler company in the United States.
I see Perdue as being highly successful with differentiation, which implies that they produce products, and services that are considered unique, industry wide and directed at consumers who are relatively price-in-sensitive. Perdue has ongoing product development, which states that they seek to increase sales by improving, or modifying present products or services. Perdue has been an industry leader with constant attention paid to consumer wants and needs. They watch trends such as fitness and weight consciousness, by introducing the Fit n Easy line that markets skinless and boneless chicken parts with nutritional information and recipes. Perdue also followed the trend of the working family and began to market prepared foods, which has done extremely well. Prepared foods such as pre-cooked chickens, turkeys, parts, nuggets, and the like sell easily to working families.
Finally, I see Perdue’s strongest strategy according to Porter is focus. Perdue has wonderful R&D that constantly follows market trends and changes that will be beneficial to their growth. Perdue has never forgotten where they came from and this is what makes them strong. Focus allows them to change with the times and not become over diversified where they overlook their cash cows and forget to nurture their stars. Perdue knows that quality and efficiency are at the heart of their operation and do not stray from that. Their innovation and integrity to be the leader has brought them customer loyalty and appreciation for quality where price is not the number one factor.
Perdue’s ability to focus on strong team management has allowed them to penetrate and develop new markets with ease. Perdue has a high penetration of advertising on TV and print along with opening up new territories to further expand their market share. Their vision has been a good guide and has led them to a very successful value chain. Perdue’s attention to detail in every aspect of the business has been proven successful and the financial status of the company reflects it.
Today, Perdue, is further expanding with new acquisitions and product lines. Their innovative thinking and drive to be the leader shows in all they do. In 1997 they started marketing their Café Perdue line and have seen slow, with steady success. Perdue’s prepared foods are selling incredibly well with the American family on the run. As of September 1998, Perdue made a new acquisition, toward horizontal integration, with GOL-PAK, a competitor in the foodservice and prepared foods business. The new relationship will further enhance Perdue’s prepared food and foodservice business. GOL-PAK specialized in the development and production of products primarily for the foodservice industry with a list including the top 100 chain restaurants. Perdue sees this as a significant purchase to enhance their reputation and make them strong contenders in the prepared food and foodservice industry.
CEO, Jim Perdue, feels that they are well positioned in the market place and continued growth along with R&D will help them to maintain quality and efficiency, along with strong market penetration and market share.

2007-08-02 20:49:16 · 2 answers · asked by marinel m 1 in Other - Business & Finance

2007-08-02 20:45:10 · 2 answers · asked by Muhammad K 1 in Corporations

2007-08-02 19:59:30 · 1 answers · asked by ? 2 in Small Business

Are there any relatively reliable investing patterns or tactics? Simple rules of thumb to help in deciding what stocks to purchase? For instance is a stock trading at near the 52 week low a good idea? Thank You

2007-08-02 19:41:19 · 6 answers · asked by dreamliner787 1 in Investing

I am planning on buying MEDIS TECHNOLOGIES LTD. (MDTL) and they are currently trading at $11.37. This is only a few cents away from their 52 week low. Is that a good time to purchase the stock? Does it represent the start of a new cycle? Thank You.

2007-08-02 19:39:25 · 3 answers · asked by dreamliner787 1 in Investing

My family and I are doing well. The college funds are all set for the boys, we have ZERO debt outside of the mortgage. Our home is a duplex and the tenant is paying the complete mortgage every month, and then some. I made a great investment choice for that piece of property.
So my husband asked me how I would invest the money. He is good with money when it comes to real estate, but I relish real estate, stocks and futures. We are wanting to invest the money for at least ten years. I do not dare play the volatile short term market at this time.
Thank you for your time and advice.

2007-08-02 19:11:03 · 11 answers · asked by yankee_cotton 1 in Investing

Recenly, I am working on a sale-leaseback problem, and I want to look at the FASB Statement No.98, but when i went to fasb's website, i do not know where they put the Statement No. 98. I only can find a summary of Statement 98.

Can anyone help me get the full documentation of the Statement 98?

2007-08-02 19:10:55 · 2 answers · asked by BBMak 2 in Other - Business & Finance

2007-08-02 18:43:08 · 3 answers · asked by Anonymous in Renting & Real Estate

Lets say... I do a haircut that cost $20. The customer uses a credit card to pay. They add $5 as a tip.
It is rung thru, the $25 is now technically in the cash drawer.
I take out $5 from the drawer as my tip.
When I get paid, the paystub shows $5 deducted from my pay.

How is this legal?

Regis Corp Salons (SuperCuts, MasterCuts, HairMasters,etc and other chain salons ALL do it).

Then on top of that, I must claim my tips and am taxed on them at the end of the year.

I don't get how this is legal!

PLEASE!!! Someone tell me how this could be right, and if not, who do I go to, to file a greivance or lawsuit?

2007-08-02 18:40:46 · 18 answers · asked by Chris C 4 in United States

A Home Health Agency,want's me to install the oasis templates for the 485's. i use the template where I currently work but I did not install or format it. where do I obtain the software to do this. The lady is going to pay me big money, and refer me out to others. How or where do i learn how to do it.

2007-08-02 18:40:00 · 1 answers · asked by pamela m 1 in Small Business

who do i call? is there any company that can get me a custom number with a 570 area code.

2007-08-02 18:38:15 · 1 answers · asked by s.magid 1 in Small Business

2007-08-02 18:09:19 · 5 answers · asked by Anonymous in Renting & Real Estate

I understand the difference in the definitions of the use of the property, but what does this mean in terms of the mortgages offered for each type of use?

Is the difference in the rate, term, max LTV? Something else?

If you have one residence in a town and want to buy another, but expect to occupy the 1st for some time while you rennovate the 2nd, will the "use" of the 2nd be considered a primary residence?

Thanks

2007-08-02 18:06:50 · 2 answers · asked by TakomaParkMD 1 in Renting & Real Estate

I incurred a back injury and visited the chiropractic doctor 14 times. I had a MRI, massages, and exercises done. I feel better now. The visit to the doctor cost me $1500 and the MRI cost me another $1500. I had a coverage for PIP for 10000 and the guy who hit me had a full coverage on his car.
My attorney is filing a case against each of these companies.
My lawyer is telling me that I dont have a valid case because I didnt sustained a permanent injury. My attorney had asked with my doctor for my medical release.
I was also paid $4500 for my car by ALLSTATE (The insurance company of the guy at fault).
I am a full time student and trying to complete my school on loan. So I haven't worked from the day of my accident to this date.

So my attorney is filing for a settlement with both of the insurance companies. So I am going to get any money from this? I had a doctors bills for $1500, MRI cost of $1500 and a $4500 for my car.
So how much is my case worth now? I am in florida

2007-08-02 18:02:19 · 11 answers · asked by Anonymous in Insurance

you know those shows like flip this house and flip that house? is it possible to get private funding for something like that?

2007-08-02 17:59:50 · 2 answers · asked by ineedanswers 3 in Small Business

Ok. my daughter is 16 and the guy she was talking to is 18. They live over 500 miles from each other. She use to talk to him daily on the phone & computer. I use to talk to him to sometimes and all of a sudden she has not heard from him in over 2 months. How do I find out what really happened to this kid from Kingman, Arizona, his phone number is disconnected and he has not been online for just as long. I just want to know what happened to him, like if he was put in jail, this is very strange.

2007-08-02 17:57:40 · 10 answers · asked by escape 3 in Credit

2007-08-02 17:56:33 · 6 answers · asked by Daryl T 1 in Corporations

for 40 hours and then the rest would be cash. Is this tax evasion? He said that I would be tax free on the rest of the hours I am paid. I am really suspicious of this. I dont want to get in any trouble. What can I do?

2007-08-02 17:55:06 · 8 answers · asked by I love my life 1 in United States

In ICICI atm, yesterday I draw Rs.12K . But i received only Rs.500 through the ATM machine, but got receipt like the account has been debitted Rs.12K. I made a complaint to customer care and they said I will hear back from them in 7 days. Have anyone experienced this ? I am afraid...will I get my money ?

2007-08-02 17:49:51 · 3 answers · asked by Sudha 1 in Personal Finance

I do not pay for this it is part of my benefit.

2007-08-02 17:48:38 · 2 answers · asked by Mike T 2 in United States