Business & Finance - 19 December 2007

my debt ratio is 27.00%... i personally bring home $3,000 a month (my husband brings home about the same). i have no credit, my husband has pretty bad credit. will debt to income ratio be a factor in buying a house? how likely am i going to be able to buy a house with just debt ratio?

2007-12-19 15:02:01 · 6 answers · asked by christina.yost 3 in Personal Finance

For example, based on these numbers, how would I calculate it?

Annual Cost of Goods Sold = $2,000,000
Average Inventory Value = $500,000
Cost of Capital = 10% of average inventory value
Cost of Storage = 8% of average inventory value

Also, this is not for a class. I have an interview and I think they will ask me about ICC. I just want to be prepared.

2007-12-19 14:58:23 · 2 answers · asked by GuyT7 2 in Other - Business & Finance

I want to e-file for free through IRS website.

2007-12-19 14:56:05 · 5 answers · asked by trixibel 6 in United States

I live in Arizona. Our landlord dissolved our lease in Sept allowing us to live here free as the home was preforclosure. If it had foreclosed we would have had 30 days from sale to move. Now buyer's realtor brutally tells me we have no rights we need to get out tomorrow, with no notice! We don't have the finances or resources to move or any place to go. We weren't expecting to have to vacate until the 1st of February as the last we heard the house was in forclosure. Do we have any rights?

2007-12-19 14:48:48 · 9 answers · asked by Anonymous in Renting & Real Estate

Can anyone who knows about stocks help me with the distribution or know where to get help on managing my distribution of my 401k?
the company i work in only matches like 50% up to 4% so that sucks. I need to balance the asset distribution so the stock market actually helps me.

I just have the feelling the company is taking my money and putting it on default mediocre stocks.

Please help!!
by the way the company is DISNEY wich if you have ever worked there knows pays sqwat!!

2007-12-19 14:46:42 · 4 answers · asked by Daniel S 2 in Investing

2007-12-19 14:44:21 · 7 answers · asked by userdefined 3 in United States

My take home pay is about 3600 per month...what is the highest amount of bills (total) that I should be able to actually afford, including mortgage payments, car payments, car insurance, and utilities? I currently spend approximately 400/mo on groceries, and about 250/mo on gas.

2007-12-19 14:43:54 · 4 answers · asked by thechick 2 in Personal Finance

2007-12-19 14:43:50 · 2 answers · asked by Anonymous in Renting & Real Estate

can you buy a house (with a decent percentage rate) with that score?

2007-12-19 14:41:42 · 17 answers · asked by christina.yost 3 in Personal Finance

It is going to be a family sports park that will have miniature golf, arcade room, baseball and softball batting cages and instruction. Sponsorship will be recogonized throughout the facility. I'm really wanting a soft drink or candy/snack company as one of my regular sponsors.

2007-12-19 14:41:14 · 1 answers · asked by Houdini 7 in Small Business

I recently put a bid on a house, I was later countered, in which I accepted the terms, except for agreeing to get an appraisal before the bank accepts my offer (short sale) The realtor says he must have the appraisal before he even submits it to the bank. So on today I went to the property where I placed a bid and spoke with the owners and they had no idea that I had even placed a bid. He didn't tell them. So my question is can he make a counter offer without the sellers even knowing about it?

2007-12-19 14:33:16 · 4 answers · asked by hotgirl_rightgirl00 5 in Renting & Real Estate

what kind of penalty can someone get for not doing there tax return for like 4 years.

2007-12-19 14:28:54 · 5 answers · asked by Anonymous in United States

2007-12-19 14:24:43 · 4 answers · asked by Anonymous in Credit

Hi !
I just heard about the FICA thing.. does anyone know more about this ? I just want to know if the money will be refunded to us if we are legal immigrant and wish to return to our home country before our retirement ?


Thanks

2007-12-19 14:22:41 · 4 answers · asked by Bond M 1 in United States

A friend's boss told everyone to get an unlimited texting plan on their personal phones since he would be sending texts to update them on information. Is this right?

Also, he is texting while employees are off the clock (they work hourly). Is this fair? When someone spoke up about this, they are now in jeopardy of losing their job.

We can find no laws to protect employees in this case. Phone numbers were given in case of an emergency and now abused!

2007-12-19 14:18:24 · 22 answers · asked by Corbettes 1 in Law & Legal

I have a few questions as follows

Find the cost per year to the employer for a workstation for a repairman who is paid wages of $20,400 a year. Other costs are fringe benefits, 7% of wages, floor space, $320, equipment and tools, $200, and other expenses, $92
Choices
$18,360
$18,660
$21,012
$22,440
Gloria Johnson discounted her own 60-day, non-interest-bearing promissory note for $960 at the bank on October 5 at 8%. How much did Johnson receive from the bank as net proceeds after the bank discount had been deducted?
choices
$942.70
$947.20
$960.00
$972.80
On January 31, Williams' checkbook showed a balance of $1394.81. Her bank statement said $1,528.43. There were no service charges that month. A comparison of canceled checks with the stubs showed outstanding checks for $21.97, $173.14, and $70.49. A canceled check for $48.50 had not been entered in the checkbook. Williams found that a deposit of $83.48 had not been entered on the bank statement. What is the correct checkbook balanc

2007-12-19 14:16:00 · 1 answers · asked by beotch1231 1 in Other - Business & Finance

Yes, I am openning a new advertising agency focusing in advertising placement and marketing strategy in retail business and shopping malls. I am seeking a great name which is unique, ear-catching, meaningful and easy to remember with my clients.

Would really appreciate if you could share with me your idea for the name. Thanks!

PS. Would be good if you can also explain your reason for choosing the name and the tagline you can propose too.

2007-12-19 14:15:29 · 3 answers · asked by Mostwanted 3 in Other - Advertising & Marketing

How do I claim my house keeper? Do I need all there information or do I simply deduct it.

2007-12-19 14:13:06 · 9 answers · asked by Elizabeth M 2 in United States

For example, based on these numbers, how would I calculate it?
Annual Cost of Goods Sold = $2,000,000
Average Inventory Value = $500,000
Cost of Capital = 10% of average inventory value
Cost of Storage = 8% of average inventory value

2007-12-19 14:10:13 · 1 answers · asked by GuyT7 2 in Other - Business & Finance

I need help with some business math questions as follows:

An invoice for $870 was dated Sept. 22 and contained terms of 3/10, n/30. What amount of money would be necessary to pay the invoice if the discount is taken?
choices
$609.00
$678.60
$783.00
$843.90

Roland can buy a freezer for $489 cash, or on the plan by paying $96 down and making 12 monthly payments of $38 each. Since Roland has $96 cash, he can borrow the balance from the bank for one year at 8% interest. What amount of money does Roland save by borrowing from the bank and paying cash instead of paying on the plan?
choices
$31.44
$31.56
$33.00
$63.00

The materials used to build 100 cabinets cost a factory $2790. Salaries and wages charged to the job amounted to $4276 and factory overhead was $743. What was the average cost per cabinet?
$63.23
$.63.32
$78.09
$78.90

A check for $111.55 was drawn in payment of an invoice amounting $115.00 less a cash discount. What rate of cash discount was allowed
choices
2%
3%
4%
5%

2007-12-19 14:06:55 · 2 answers · asked by beotch1231 1 in Other - Business & Finance

Credit cards are expired. I have been charging recurring payments. When payment is declined I need to test a newer expiry date. I know that Visa provides this service, but I don't have big volumes.

2007-12-19 14:06:52 · 5 answers · asked by mmrojas01 1 in Credit

2007-12-19 14:05:08 · 5 answers · asked by DogJD 1 in Personal Finance

What happens if I chose not to pay into the Social Security fund? I realize I won't get any benefits, but I can deal with that part. Are there any legal consequences such as a fine or jail time? I realize that one's employer automatically takes the money out of your paycheck, but assuming that can be circumvented, does anyone have any information about this?

2007-12-19 14:03:15 · 7 answers · asked by mannzaformulaone 3 in United States

I just found out I have an interview on Friday, and it's a step up from my current job. But of course, I could possibly not get the job. If I call in sick, they will want me to work from home, but I will be unable to because I will be at the interview all day. (3 hour drive). If I tell him that I have an interview and I am going to it no matter what, can they fire me? They cannot fire someone from going to an interview for a different job can they? I have been there 10 years, so I don't think they would fire me, but they make start looking to replace me.

2007-12-19 14:02:47 · 12 answers · asked by GuyT7 2 in Other - Careers & Employment

I recently had to file a claim about two months ago. This past weekend a tree fell on my house. Not sure where the property line is, but I think it's the neighbor's tree. Do I file another claim, or pay out of pocket. Estimate was around 800. Deductible is 500. If it's neighbors tree, will their insurance cover?

2007-12-19 14:00:57 · 7 answers · asked by CubsFanJW 2 in Insurance

what does it mean to diversify your portfolio and how is this done? I have recently been introduced to the stock market and everyone keeps saying make sure you diversify your porfolio, but im not sure what that means

2007-12-19 13:59:42 · 5 answers · asked by Sir Feti 2 in Personal Finance

2007-12-19 13:59:27 · 3 answers · asked by shadowseer 1 in Small Business

Please no jargon, something that a high schooler can understand. What exactly does a frim such as GoldmanSachs, MorganStanley do? Something secuirities?

2007-12-19 13:59:23 · 8 answers · asked by Brian H 1 in Investing

I am thinking of ordering "Kimi height Increase" product from American based websites.


Would it be safe to order it?

I am stationed here in India. Am I be assured that I shall receive my product safely and undamaged?


I have never ordered online before. Please can you suggest some safety tips that I can follow to avoid online fraud?
I am 18 year old and I own a debit card of my own. I don't own a credit card.


Can you list some trustworthy websites to order "Kimi Height Increase"?

I would really appreciate if American nationals answer this.

Thank you!

2007-12-19 13:58:52 · 8 answers · asked by Anonymous in Other - Business & Finance

Grayson Barricades fixed costs are $10,000 per year. Its warehouse sells a pallet of barricades with a contribution margin of 20%. How much in sales does Grayson need to break-even per year if barricades are its only product?
Question 19 answers
A. $2,000
B. $8,000
C. $12,500
D. $50,000

Grass, Inc. variable costs are 25% of sales. Its selling price is $95 per unit. If Grass sells one unit more than break even units, how much will profit increase?
Question 21 answers
A. $23.75
B. $32.50
C. $38.00
D. $71.25

Margulais, Inc. produces hair brushes. The selling price is $20 per unit and the variable costs are $8 per brush. Fixed costs per month are $4,800. If Margulais sells 10 more units beyond breakeven, how much does profit increase as a result?
Question 22 answers
A. $120
B. $250
C. $400
D. $600

2007-12-19 13:57:04 · 3 answers · asked by seebrigh 2 in Other - Business & Finance