Company Financial Statements - Learn How to Read Financial Statements

The primary aim of this form of analysis is determine the financial health of a company - how much its making now and what it is expected to make in the future. Public companies are required to report earnings on a quarterly basis and various analysts who follow the company stock give estimates ahead of the official earnings report. As long as company is meeting or exceeding the expectations of analysts the stock appreciates in value.

The financial statements that are considered while gauging the earnings of a company are the balance sheet, income statement and statement of cash flows.

Balance sheet-

The balance sheet as the name suggests shows the 'balance' between the assets, liabilities and equity of a company. The assets side of the statement contains the cash, real estate / property and equipment. On the other side we have the debt as well as retained earnings and stock.

Income statement-

The phrase 'bottom line' originates from this financial statement. The main components are revenue, net income and earnings per share. The first line is the income generated by the sales, followed by the expenses. The bottom line is the net profit (or loss) and the income per share.

Statement of cash flows-

This financial statement shows the company's performance over a fixed period of time similar to the income statement. As the name suggests, this statement shows the incoming and outgoing cash flows from investment, sales and financing. It shows how the company functions on a daily basis, how the creditors are valued and where it gets capital for further growth.

Credit Repair - The Truth And The Myth

Credit Repair - Fact or fiction?
In this world of television and internet it's very difficult at times to decipher truth from fiction. Also, due to the speed at which information travels word gets around at an astonishing rate (whether good or bad). One of those subjects that have gotten negative press laTily has been the credit repair industry.

You have heard things like, "Start a new credit file today!", Or "Improve your FICO by 300 points!". But, you have also heard many negative things. Some of them related to those two sayings above. First, I would like to separate fact from fiction.

Fact
You can repair your own credit. You can also hire someone to help you repair your credit. But let me explain the difference between the two. First, hiring a specialist could cost you hundreds if not thousands of dollars with "no guarantee" that anything will be fixed. Also, there have been many so-called specialist giving out illegal repair information!

The truth is that many times you will be asked to dispute everything on your credit file as erroneous. Now, 80% of information reported to the three major credit bureaus (Trans Union, Experian, & Equifax) is erroneous information. But, according to the FTC this is fraud, which is against the law.

The truth is you do not need a credit repair company or any specialist within an industry (legal or otherwise) to help you repair your own credit. You have within your hand the ability to self repair your credit. With only a small time investment you can repair your own credit.

Repair Myth
The myth is simple, that you can not repair your own credit. This has been a myth perpetuated by unethical individuals who have marred the credit repair industry. Are all credit repair specialist like this? No, they are not. Some are very professional, courteous and honest. They do not ask for funds before the repair has taken place and will assist you with your credit repair needs.

However, you can repair your own credit. There have been recorded instances of credit repair companies telling their clients not to go directly to the credit bureaus (when it is your right to do this). It is also your right (according to the FTC) to receive a free annual credit report (of all three major bureaus).

As you can see, there are excellent resources available (directly from the Federal Trade Commission) to assist you in your credit repair needs.

Credit Truth
In conclusion, you have the right to repair your own credit. Repair is not fiction or myth, but truth that can change your life for the better.

Alternative Options For Finance If Refused Elsewhere

So, you have sent in applications for a conventional loan, only to later find out that your application has been turned down with a big fat "Rejection" stamp.

Regardless of whether you recognize it or not, you're now at a key juncture. You either can determine for your bank's seemingly ultimate decision and hang around to hit the lottery - or you might explore alternative routes for obtaining the money you need.

Whether you need the money for a advance payment for a home or just need a bit of extra cash to make this month's rent payments, use the enclosed tutorial on what to do in the event your loan company says "no chance":

• First off, do not just take their denial as a definite nope. Rather, question them what you might have done in order to get authorized from the start. Whilst many loan providers may turn you down due to a low credit score, it's straightforward to prove that you have got the fiscal requirement to make the loan repayments.

When approaching a new loan provider, ensure that you take any proof of job employment, three months' worth of pay stubs, bank records that report a wholesome account balance, and in many cases a few reference letters from your employer and property manager who is able to confirm your fiscal responsibility. You'll be surprised how these reports can negate even a poor credit score.

• Still can not obtain the approval you need from a regular loan provider? It's time to investigate some alternate choices, like bad credit loans. While they may look like a poor type of loan - after all, they have the words "bad credit" connected to them - they will actually assist you to raise your credit score. In order to take out bad credit loans, your loan provider will either charge you higher interest levels or request you to put up one of your valuable personal belongings as security. Loans of this type may also contain a demand for a guarantor in order to guarantee the loan.Whilst this could seem a wholly acceptable request, the guarantor will effectively be underwriting the loan as your representative, so his / her credit status may be seriously afflicted if you can not stick to the repayments claims. As a result, think meticulously about loans for bad credit before making a application.

Having your application refused might be an awkward experience - but this does not implying that you have to turn away from your desires for more capital. Just investigate these alternative ways for getting the money you want, whatever your credit history!

The Importance of Landmarks

There are structures that are built not only to serve a purpose, but to impress as well. Some of them are so iconic that even their silhouette alone can make them easily recognizable. Examples of these are the Sydney Opera House, the Eiffel Tower, and the Leaning Tower of Pisa. Of course, there are those that play second fiddle. They may not be as famous as their iconic counterparts, but they're also beginning to make a mark in their respective locations. In Australia, some examples are the Q1, or Queensland Number One, The Oracle, and Circle on Cavill.

It is important for any country, state, town or city to have its own landmark. A landmark is usually associated to the location where it was identified and can be one of its largest tourist draws. Here are some of the reasons why landmarks are important:

Source of pride - Having a landmark always makes a community proud. It is usually what sustains and spurs social, cultural and economic activities. It revitalizes its people and somehow inspires and motivates them to do things for their community. Landmarks are usually steeped in history, so they are what make for a good story to tell to children and visitors.

Tourism generation - One of the largest income-generating ventures of any place is tourism. For some cities, tourism is actually its largest source of revenue. Landmarks always play a big part in attracting visitors. Sometimes, a landmark is even the only reason for some people to pack their bags and give the place a visit. They spend their hard-earned money just to be near or even touch a historic landmark. It is where many people pose with for picture-taking.

Value - Aside from making a city more popular, landmarks also improve the value of the buildings and structures around them. The value of the properties surrounding a landmark increases because of it. The real estate around the area appreciates even more. This is why properties around an important landmark are typically expensive, making their resale value also high.

Landmarks are the heart and soul of any place. Without it, a city would not be too interesting to visit. They may be ancient structures or modern buildings, or even statues, and they're there to impress, educate, and inspire. It is important for any city to take care of its own landmark so it can preserve its past so the future generations can still see it.

Electronic World - How We Use Electronics in Daily Life

Using electronics today is so much a part of our daily lives we barely think of the way the world would be without electronics. Everything from cooking to music uses electronics or electronic components in some way. Our family car has many electronic components, as does our stove stove, laptop and cell phone. Children and teenagers carry mobile phones with them everywhere and use them to take and send pictures, videos, and to play music. They send text messages on the cell phone to other phones and to their home computers.

Wireless internet is becoming more common all the time, with laptops set up in cyber cafes where people can drink coffee and check their email all at the same time. The computer user can do all the web searching in relative privacy thanks to the electronic accessories which can be added to the computer. Conversely, more and more transactions are being sent electronically across the airwaves so security is becoming a larger issue than ever before. Merchants who sell products online must be able to insure their customers that information submitted at a website is not being accessed by unauthorized personnel.

Music is a prime user of electronics, both in recording and in playback mode. Stereos, record players, tape decks, cassette players, CD drives and DVD players are all the result of advances in electronics technology in the last few decades. Today people can carry a playlist of hundreds of songs around with them easily in a very small device - easily portable. When you add Bluetooth or headphones the music can be heard by the user, but does not disturb those nearby.

Electronics technology in cameras has dramatically increased dramatically. A digital camera is available to most Americans at a price they can afford and cellphones often including a fairly sophisticated digital camera that can capture still pictures or even video pictures and store them or transfer them to a computer where they can be saved, shared digitally with family or friends or printed out in hard form with a photo printer device. Pictures obtained through a camera or by means of a scanner can be edited, cropped, enhanced or enlarged easily through the marvel of electronics.

Literally thousands of everyday devices that we use regularly make use of electronics technology in order to operate. These are products ranging from automotive engines to automated equipment in production settings. Even artistic efforts benefit from computer modeling prior to the committing of valuable artistic media to create the finished product.

Electronics devices are being used in the health field, not only to assist in diagnosis and determination of medical problems, but to assist in the research that is providing treatment and cures for illnesses and even genetic anomalies. Equipment such as MRI, CAT and the older X-rays, tests for diabetes, cholesterol and other blood component tests all rely on electronics in order to do their work quickly and accurately. Pacemakers and similar equipment implanted in the body is now almost routine.

Sample Cover Letter For High School Students

Many teenagers who pass high school look for part time or full time jobs for earning pocket money. A job can be an experience building stepping stone if you already know what type of career you would like to make in future. Nowadays there is huge number of jobs available for high school student. You just need to prepare an effective cover letter if you want to secure a decent job.

In this article I would like to provide a sample of a high school cover letter which would help high school students, particularly juniors and seniors who want to enter the work.

Your Name
Your Address
Your City, State, Zip Code
Your Phone #
Your Email

Date

Employer Name
Company
Address
City, State, Zip Code

Dear Mr. / Ms. Last Name,

I am responding to the employment opportunity listed on your website. Please accept this letter and accompaniment resume as evidence of my interest in applying for this job. I feel my qualifications and my skills would prove to be an asset for your organization.

I have recently passed high school from a well known school. Now, I am looking for an honored job that will add experience to my building career. Here are some of my key strengths that I would bring to the position. I am:

1. A self-starter.
2. Disciplined.
3. An excellent communicator.
4. Very willing and eager to learn new things.
5. Exceptional at customer service.
6. Great team worker.

Accepting challenges is the foundation of my life experiences and something I do with confidence. You will find me a wholly committed individual with pride in being direct, spontaneous and communicative. I can maintain records, perform numerical calculations with accuracy and I need little direction to complete assigned tasks. These are the qualities that make an excellent candidate for this post.

I was responsible for handling and organizing various important activities in my school. I have even participated in numerous cultural activities. I have working knowledge of MS Word, PowerPoint, MS Excel and Internet.

I would appreciate your consideration of my credentials. If you do think there is a shared interest, I would greet the chance to meet with you to hear more about your company, the requirements of the position, and how my skills would be a good fit.

Thank you in advance for your consideration.

Sincerely,

Your Signature

Your Typed Name

I hope my article will help you in preparing a high-quality and eye-catching high school student cover letter.

Tiger Direct Taking the Computer Age to the Next Level

Whether you are a computer gamer building your extreme machine, the IT professional, looking for hardware solutions for your networks, the Audio Visual, or lighting, technician on the road looking for hard drives, routers, wire, or connectors, all have come to know Tiger Direct.

But for the beginners or intermediates that do not know Tiger Direct, this is a store that can offer all your computer solutions from a hardware prospective right down to the nuts and bolts. While other store chains offer accessories, very few offer the vast amount of solutions that this store can with competitive pricing, that will match, or beat, the big stores chains with their shear bulk, and volume, buying.

With that being said, although it is evident that the stores grass roots came from building computers to accessorizing them with peripherals, and networking hardware, for communications optimization, with all the necessary tools, and supplies, to complete the task through its entity. But what is truly unique about the store is the wealth of accessories, gadgets, and brand names, such as Microsoft, HP, Compact, Logitech, Iomega, and NETGEAR, to mention a few.

Also unique is this stores ability to think outside the box by offering offbeat solutions like USB to HDMI converters, VGA to TV converters, wireless HDTV options, CD and DVD duplicators, to video surveillance, options for home owners, and small businesses all from one camera to multi camera packages. So if you are a do it yourself person, or a handyman, these options are very attractive, and simplistic, to install. For the person who wants small to large networking, or to incorporate both entertainment, and communications devices together wireless, or Ethernet, based, it's all there for you with a multitude of options for you to choose from.

If you are interested in checking it out and can not find a store location close to you Tiger Direct also has a large online presence in North America, and is specific to the United States and Canada, but also offers international solutions as well. The online store offers customer tracking on all orders, one, and two day, door to door shipping, and free shipping, on orders over a certain amount, however there is a weight restriction limit applied to the offer. For international shipping please check with representative as this may take longer due to international compliance, and customs.

So if you are looking at expanding on your entertainment needs to include communications, or doing home renovations and looking for options or a small business looking for presentation tools, or quick and easy IT solutions this store is an incredible resource to have now or reference to for your future growth.

Just recently they have included the full line of the power house series of HP, DV7, G70, and G60, laptops and Elite, dc series, Pavilion, and Compaq, desktop computers to choose from. As well as great deals on GPS units from Garmin, TomTom, Magellan, and Motorola, with some pretty incredible discount pricing that can not be matched anywhere.

On a Personal note! This store has saved my life and got me out of some pretty sticky technical situations in the past with my extensive travel through North America, and they have never let me down by not having what I needed in stock at the time I have needed it. So, with that being said, I highly recommend that if you have not heard of this store get to know it as it will be the best friend you ever had in times of technical adversity.