#the effect this has is that the $14 payment for the more expensive item is cancelled as well. bc again they don't read

[anotherpapercut]

bro what the fuck are they doing with my package

[lokeshroy75884]

Effective Methods to Repay Your Loan Faster - Abhiloans

Taking out a loan can be a strategic financial move to achieve various goals, from purchasing a home to funding education or consolidating debt. However, once you have a loan, you may find yourself eager to repay it as quickly as possible to free yourself from debt and save on interest payments. In this blog, we'll share effective methods to repay your loan faster.

1. Make Extra Payments

To pay off your loan faster, make extra payments whenever possible. This includes making additional payments each month or larger payments when you have surplus funds. Even small extra payments can greatly reduce your loan balance and interest costs over time.

2. Biweekly Payments

Consider switching to biweekly payments to pay off your loan faster. You'll make half of your monthly payment every two weeks, resulting in 26 half-payments or 13 full payments per year. This extra payment can help you pay off your loan faster.

3. Round Up Your Payments

You can accelerate your loan payoff by rounding up your payments. For example, if your monthly payment is Rs. 325, consider paying Rs. 350 or Rs. 400 instead. This small amount adds up over time and helps you pay off your loan faster.

4. Allocate Windfalls Towards Your Loan

Whenever you receive unexpected windfalls such as tax refunds, bonuses, or gifts, consider allocating a significant portion of these funds toward your loan repayment. This can make a substantial dent in your loan balance and shorten your repayment period.

5. Create a Budget

Developing a detailed budget can help you identify areas where you can cut expenses and allocate more funds toward loan repayment. By tracking your spending and identifying unnecessary expenditures, you can redirect those funds toward paying off your loan faster.

6. Prioritize High-Interest Loans

If you have multiple loans, prioritize paying off the ones with the highest interest rates first. By focusing on high-interest loans, you'll reduce the overall interest you pay and make faster progress toward becoming debt-free.

7. Consider Loan Refinancing

Loan refinancing involves replacing your existing loan with a new one that typically has a lower interest rate. If you can qualify for a lower interest rate loan, refinancing can reduce your monthly payments and allow you to repay the loan faster.

8. Use Windfalls Wisely

In addition to windfalls, consider using any raises or promotions at work to increase your loan payments. By maintaining your current lifestyle while allocating the extra income to loan repayment, you can make significant progress toward early loan payoff.

9. Avoid Skipping Payments

Skipping loan payments or opting for deferment or forbearance may provide temporary relief, but it can also extend your loan term and increase the overall interest you pay. Try to make payments consistently, even if you encounter financial difficulties.

10. Set Up Automatic Payments

Many lenders offer a small interest rate reduction if you set up automatic payments. This not only saves you money on interest but also ensures that your payments are made on time, reducing the risk of late fees.

11. Use Financial Windfalls Wisely

If you come into a significant sum of money, such as an inheritance or a lottery win, consider using a portion of it to pay off your loan. Reducing your loan balance with a lump-sum payment can substantially shorten your repayment period.

12. Seek Additional Income

Exploring opportunities to earn extra income can provide you with additional funds to allocate toward loan repayment. This could involve taking on a part-time job, freelancing, or selling items you no longer need.

13. Consult a Financial Advisor

If you're unsure about the best strategy to repay your loan faster, consider consulting a financial advisor. They can assess your financial situation and help you create a tailored plan for accelerated loan repayment.

14. Stay Motivated and Disciplined

Paying off a loan faster requires discipline and dedication. Stay motivated by setting clear goals, tracking your progress, and celebrating milestones along the way. Visualizing your debt-free future can be a powerful motivator.

Conclusion

Repaying your loan faster is not only financially beneficial but also liberating. By following these methods and strategies, you can take control of your debt and move closer to financial freedom. Whether you're repaying a home loan, personal loan, or any other type of loan, these approaches can help you achieve your goal of becoming debt-free sooner.

[constructionmiral]

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Shipping times from carriers other than the USPS will vary. Times can vary depending on how quickly customs processes the item, generally you can expect longer times around the holidays. Average shipping time is 7-14 business days depending on location. The following general shipping times apply based on shipping type:įirst class international packages are not track-able online. Please verify your customs duties before purchase.

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Your address and full name on your means of payment must match your shipping address unless other arrangements have been made beforehand and mutually agreed to in writing.Ħ.International Buyers, Please Note: The buyer is responsible for any applicable import duties and local taxes. Īll goods will be sent by the least expensive delivery with tracking number.Ĥ.Please be advised that the international delivery highly depends on your local customs and your local post service.ĥ.We can ship your orders only to your confirmed address. Postal money order is accepted, along with direct Credit or Debit card.Ģ.We cannot arrange the shipments on the weekend or public holidays.ģ.Your orders will be shipped out within 48 hours after your payment is verified (Saturdays &. However, local purchases can also be paid via Credit or Debit Card using Square payment method. PayPal payment is available for most listings.

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If Free domestic shipping is offered with Buy Now, it will be done via the most cost-efficient means as determined by the Seller. Combined shipping for multiple items is available as well. Insurance is optional and will be paid for by the buyer. International bidders/buyers: contact me for an estimate of shipping costs BEFORE bidding or buying. International shipping cost will be higher, and will be added to the invoice. Shipping is also available to APO/FPO addresses in accordance with postal regulations. A nominal packaging and handling fee is included in the cost of shipping, which is based on weight, size and distance. Shipping is done within one business day upon receipt of confirmed payment. Additional discounts may be offered for repeat customers. Buyer discounts may be offered if purchasing multiple items and combined shipping is selected. Mastercard and Visa direct payment options are accepted. Payment is expected within 24 hours of winning bid unless prior arrangements have been made and mutually agreed to. Home & Garden > Inside the Home > Bath > Showerheads RV Parts Nation has all the RV Parts you will need from the top manufacturers that you know and trust such as Valterra, Camco, Norcold Appliances, Maxxair Vent Covers, Reese Hitches, Equalizer Hitches, Dometic, Shurflo Water Pumps, Suburban Water Heaters And Furnaces, Winegard Satellites, King-dom Satellites, Carefree Awnings, Atwood Water Heaters And Furnaces And Thetford Toilets And Accessories, Jensen Electronincs, Husky Towing, Kwikee, Coleman, Marinco.Home & Garden > Tools & Home Improvement > Plumbing & Fixtures If you are looking for the BEST SELECTION and value on RV parts, camper supplies and RV accessories, then youve come to the right place. Let RV Parts Nation get your RV ready to hit the road at prices you can afford! Repairing the exterior of your RV just became more cost effective with our great prices and selections of RV Awnings and RV Roof Vents and any repair parts for you RV needs.

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We carry the complete line of Electric RV Steps and manual steps needed for your RV repairs. We also carry a large supply of RV Toilet, RV Water Pump, RV Faucets and parts to repair or redo your Camper at prices you can afford. We carry RV Dinettes, RV Sleeper Sofa, RV Captain Chairs, RV JackKnife Sofa, RV Recliners, RV Tables and much more. RV Parts Nation carries a large selection of RV Furniture. We go to extreme measures to make our website your one stop shop for all your RV Parts, RV Accessories and Camper Supplies. RV Parts Nation has all the RV Parts you will need from the top manufacturers that you know and trust! RVPN offers secure on-line shopping, wholesales pricing and same day shipping on most orders. We buy at volume discounts from our suppliers and the Manufactures giving the ability to pass more savings to our retail customers! We carry RV Parts and RV accessories for motor homes, campers, toy haulers, fifth wheels, travel trailers and pop up camper. RV Parts Nation has the largest selection of RV Parts and Accessories in the Country.

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The 1% rule is actually a estate investment term that investors use to discover whether a selected purchase may be worth making. If you’re getting a billion dollar property, by way of example, or purchasing a property in a up-and-coming neighborhood that isn’t more likely to see strong returns right away, you could possibly decide to shirk the 1% rule while focusing long-term instead. Whatever you do, never make up your mind to purchase a good investment property based on finding a tax deduction - always focus on making the correct investment choice. Don’t focus on the risks alone (if that’s what everyone did, nobody would ever buy a great investment property), but don’t ignore them either. Are you prepared to sell the house if you want to? Eventually, the economy and borrowers should abide by market forces. The local market economy could change. Additionally, the UK housing marketplace has always been resilient even through economic and political uncertainty. Even now, many commercial establishments have been planned inside the city that can give good returns.

We truly realize that property prices have risen tremendously and also this ensures that the returns that you'll be capable to achieve are not as effective as we were holding, say 5yrs ago. Any investment must be properly managed and property is no exception. The Mumbai-based developer final year additionally designed a separate real estate fund administration enterprise in India and Singapore named Godrej Fund Management, which will likely be answerable for managing each the sequence with the residential Under Construction Projects In Thane investment programmes as well as any future affiliation as effectively. For quite some time now, Egypt has struggled to find its feet in the vast global real estate market. Over the last 14 years we now have built a history of providing the best-performing international property and UK buy to allow property to both very first time and experienced investors, leading with your product offering by pioneering new areas and asset classes backed by your own independent research and homework. Take a fixed personal loan.

If the score is low, take the appropriate steps to enhance it. Take a vacation rental, for example. Here’s How Much It Costs to Rent a Home in These U.S. Ideally, you’d desire to be getting at least 1% of that-so, $2,500-a month in rent and other returns. They introduce a genuine, gradually type of investment ideal for those that need to retire already and people who doesn't want much hassle to generate income. As long term investment just isn't bounded by any time limits, it is usually expected to gain larger profits. Every county through the United States possesses its own time lines, guidelines, requirements, limitations and possibility of investment. Go with the low end of these estimates for a good investment property analysis. You could end up needing to front for expensive repairs. Today, Your Current Later Selection Can Be Prone To The Real Emergency Situation Of The Scenario And Also Your Tailored Desire Nevertheless If You Typically Aren’t Getting Forced By Any Kind Of Immediacy Next Purchasing Top Mumbai Property Would Certainly Be A Lot More Advantageous. Ultimately, you would like the exact property to make positive income to suit your needs.

This implies that you eventually want the home to become giving you income, especially as you become better retirement. It is also pointless getting yourself into plenty of debt to get a house since you hope that it's going to rise in value. But have a peek here can simply raise tobacco tax overnight as often because it should effectively keep a floor price for cigarettes which will deter smokers from buying a lot more than they can have afforded previously. Keep in mind that while hiring a property management service is a big expense, it’s definitely not costlier than doing things all on your own. Property features a leverage that is much easier in comparison with items like stocks and shares. You’ll have to pay to promote the exact property on various websites, that also often charge extra fees like booking or leasing fees. The skyline of Dubai is adorned with magnificent skyscrapers, with all the Burj Khalifa at the heart from it, set in the center being a jewel in the crown. In fact, it may even be more cost effective. In those cases, a minimum of aim to maintain monthly mortgage payment at 1% of one's investment or lower in order that you’re not paying out significantly a lot more than you’re gaining.

[htmlpandaus]

Are Shopify eCommerce Development Services Still Beneficial in 2022?

An increasing percentage of shoppers look for stores online rather than visit the physical store these days. If you are a business owner without a website, you may have noticed a drop in the number of customers post-COVID.

The reason is a shift towards online shopping sites that deliver a quick, pleasant, and convenient shopping experience. Building an online store to provide that experience, therefore, becomes essential.

Speaking of eCommerce website development, you will have to make a few important decisions before beginning work on the website. This includes the eCommerce web development services, some of which are offered for platforms like Magento, WooCommerce, and Shopify.

This blog is about the benefits of choosing Shopify development services, so it will help if you want to know more about them.

You can also go through some tips to help you choose the best Shopify development company for your business.

7 Benefits of Shopify Is an Ideal eCommerce Platform

1. Convenient for Users

Shopify is more user-friendly and easier to use in comparison with other eCommerce platforms. You don’t need technical knowledge to efficiently utilize all the features it has to offer.

This is why a growing number of people use Shopify website development services to launch their business online.

2. Abundance of Themes

Shopify has a great collection of free and paid themes that attracts shop owners and customers alike. There is an excellent variety of styles, functions, and patterns to choose from in its packages.

The platform offers them in different categories depending on the industry, such as healthcare, fashion, and electronics.

3. Support for Multiple Languages

Shopify is a multilingual platform that makes shopping accessible for people all over the globe. It provides plugins that allow users to change the language of the website.

The basic plan offers five languages, but you can add up to 130 languages and manage translations through an app. The number of languages your store can support increases with advanced plans.

4. Full of Features

This platform has an impressive collection of useful features that solve nearly every requirement a shop owner could have. From order and inventory management to item customization, you can take advantage of countless Shopify apps to grow your business.

If you hire an eCommerce website development company, they can help you make the right choice according to your business. A good web development company will also point out all the necessary and optional features. After all, they have the expertise that could take your online store to the next level.

5. Many Payment Options

Users have different payment preferences, so you’ll want to include as many as possible to avoid losing customers. Fortunately, Shopify allows multi-payment gateway integration to accommodate their payment needs.

Your customers may use PayPal, Apple Pay, Amazon Pay, Stripe, or some other third-party payment alternative. Regardless of the extensive range of preferences, you can incorporate any number of payment gateways to meet their requirements.

6. Cost-Effective

Shopify is an all-purpose eCommerce platform suitable for those in search of a budget-friendly option. It offers a 14-day trial; if that isn’t enough to convince shop owners, they can choose a low-priced package.

They often end up switching to an advanced package once their business starts making a profit. Even so, the upgraded plans aren’t a lot more expensive in comparison with the low-cost options. In other words, you can run your online store without constantly fretting over the budget. Just make sure to choose the right Shopify development services for your business.

7. Enormous Community

There is a vast community of Shopify developers and users out there. They are available throughout the day, since they operate from different areas around the world.

The brand has its own community support team that prioritizes its clients. They are popular for providing quick and effective resolutions to users’ queries.

As a Shopify user, you can get in touch with them through chat, email, and phone among other communication alternatives.

To Conclude

Shopify is a great platform to bring your store online without worrying about the cost. At the same time, it provides an excellent range of options to help you customize the store. You can choose from plenty of themes and include almost every payment gateway with multilingual support.

In short, you can certainly consider hiring Shopify development services to launch your business online.

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The 1% rule is indeed a estate investment term that investors use to discover whether a certain purchase will be worth making. If you’re getting a billion dollar property, for example, or investing in a property in an up-and-coming neighborhood that isn’t prone to see strong returns immediately, you may tend to shirk the 1% rule while keeping focused long-term instead. Whatever you do, never make a decision to get an investment property based on obtaining a tax deduction - always concentrate on making the best investment choice. Don’t give attention to the risks alone (if that’s what everyone did, nobody would ever buy a smart investment property), but don’t ignore them either. Are you prepared to sell the house in order to? Eventually, the economy and borrowers will need to adhere to market forces. The local market economy could change. Additionally, the UK housing industry has always been resilient even through economic and political uncertainty. Even now, many commercial establishments are already planned inside city that could give good returns.

investment property queensland are very mindful that property prices have risen tremendously and this ensures that the returns that you will be in a position to achieve are not as good as we were holding, say 5 years ago. Any investment needs to be properly managed and property is no exception. The Mumbai-based developer final year additionally created a separate real estate property fund administration enterprise in India and Singapore named Godrej Fund Management, that can likely be answerable for managing each the sequence of the residential Under Construction Projects In Thane investment programmes as well as any future affiliation as effectively. For quite some time now, Egypt has struggled to get its feet inside vast global property market. Over the last 14 years we've got built a reputation for providing the best-performing international property and UK buy permit property to both first-time and experienced investors, leading with our product offering by pioneering new areas and asset classes backed by our personal independent research and due diligence. Take a fixed personal loan. If the score is low, do something to enhance it. Take a vacation rental, as an example. Here’s How Much It Costs to Rent a Home in These U.S. Ideally, you’d want to be getting at the very least 1% of that-so, $2,500-a month in rent or any other returns. They introduce an authentic, slowly but surely kind of investment ideal for those who need to retire already and people that doesn't want much hassle to make a living. As long term investment isn't bounded by whenever limits, it is usually supposed to gain larger profits. Every county throughout the United States possesses his own time lines, guidelines, requirements, limitations and possibility of investment. Go with the bottom end with their estimates for a smart investment property analysis. You could turn out having to front for expensive repairs. Today, Your Current Later Selection Can Be Prone To The Real Emergency Situation Of The Scenario And Also Your Tailored Desire Nevertheless If You Typically Aren’t Getting Forced By Any Kind Of Immediacy Next Purchasing Top Mumbai Property Would Certainly Be A Lot More Advantageous. Ultimately, you would like the house to make positive cashflow in your case. This ensures that you eventually want the property to get offering you income, especially as you become closer to retirement. It is also pointless stepping into lots of debt to get a property as you hope that it'll increase in value. But the Australian government can simply raise tobacco tax overnight as frequently since it has to effectively maintain a floor price for cigarettes which will deter smokers from buying a lot more than they are able to have afforded previously. Keep in mind that while hiring a home management service is a considerable expense, it’s definitely not more costly than doing things yourself. Property has a leverage which is much easier in comparison with items like stocks. You’ll should pay to promote the property on various websites, this tend to charge extra fees like booking or leasing fees. The skyline of Dubai is adorned with magnificent skyscrapers, while using Burj Khalifa in the middle of it, set inside the center as being a jewel in the crown. In fact, it could even be less expensive. In those cases, no less than aim to maintain your monthly loan payment at 1% of your respective investment or lower so that you’re failing out significantly a lot more than you’re gaining.

[wingedeaglesoul]

Shopify Review 2021 Pro, Cons And Pricing

What is Shopify?

Shopify is a web application that allows you to generate your really own webshop. It supplies you with a wide array of 'themes' that can be tailored to accomplish your very own branding demands as well as enables you to market either physical or digital products.

A crucial goal behind Shopify is to allow people without coding or style capacities to create an online store themselves (i.e., without the help of a programmer). Nevertheless, people that are familiar with HTML, along with CSS, will certainly be pleased to locate that the platform materials access to both.

How does Shopify work?

As I see it, Shopify is not simply a straightforward method to introduce and likewise manage your on the webshop. It's tailored in the direction of sustaining shopkeepers in essential elements like opening up extra networks (e.g. Amazon, ebay.com, or Facebook), utilizing client assistance gadgets (e.g. online conversation), or taking care of the technical aggravations.

Who Can Use Shopify?

Any person can utilize Shopify, whether you're a newbie seller or a multi-million buck business owner. All you need is a suggestion, something to market, in addition to an internet link, and also you could have an online store live in no time at all. With over 1,200 applications, specialized functions such as stock surveillance in addition to shipping devices, and also a range of rate approaches, Shopify is an effective platform to choose from. It can be utilized by any type of sized store and also is extremely scalable.

What can you sell on Shopify?

Overall, you can market most family-friendly items on Shopify. Paintings, vintages, bags, camera, pottery in addition to porcelain, stamps, tees, a glass of wine, furnishings, toys, publications, auto parts, infant things, office supplies, in addition to image prints are a few of the common products sold on Shopify shops.

There are a variety of firms prohibited from taking advantage of the Shopify system, including: IP violation, controlled or unlawful products, as well as solutions; such as betting, pharmaceuticals, financial investment in addition to credit report score services, online money, along with adult material as well as additional services. Video game or digital world credit report reports Social media site jobs Multilevel marketing and advertising as well as pyramid systems Occasion tickets

Shopify Background

Shopify first started in 2004, when software application designer Tobias Lutke intended to open up an eCommerce store to market snowboards from third-parties. Though he didn't intend to be a software program designer anymore, he was let down in what he located on the marketplace, so he partnered with various other programs and also introduced Shopify to the public in 2006. At first, the system helped sellers with customized design templates, uploading pictures, tracking orders, organizing things in teams, as well as accepting settlements with PayPal or a payment processor mix.

Which Shopify strategy is best to pick from?

It relies upon your needs. The choice that's one of the most sense for anyone who wishes to launch a new online store is $29/ month. It allows you in on all the qualities you can require, as well as additionally deals with the negotiations and also the technological back-end of your shop.

If you wish to, you can link a customized domain to your store (either buy it with Shopify or import from a third-party domain name registrar). Otherwise, your shop is probably to be used under something like YOURSTORE.shopify.com.

Have a look at this article which shares the most recent bargains and also supplies on Shopify.

As part of the $29/ month cost, you obtain accessibility to:

Shopify's online shop component (the thing you came below for);.

the Aspect Of Sale (POS) system (allowing you to accumulate repayments offline with an iPad);.

the Facebook along with Pinterest components (market directly on Facebook as well as additionally Pinterest);.

Shopify Acquire Change-- enabling you to add a customized "purchase button" on any kind of website (not always you're on the internet store). Listed below, it's additionally worth specifying the Shopify acquisition charges. Whilst not part of the pricing, if you're not using Shopify Repayments, you'll be billed their enrollment acquisition fee on every order processed in your shop. To find out more concerning Shopify purchase fees, have a look at the Shopify site.

Shopify & Tax obligations.

I am bad at maths, so I value online store solutions that make my life simpler-- especially when it involves a topic that no one such as tax obligations. Shopify does not do anything also excellent with tax obligation obligations, however, I like that it doesn't call for brain surgery to set it up along with its truly functions.

You can show costs including tax obligation obligations or omitting them, whatever benefits you.

Shopify includes an automated tax calculator by POSTAL CODE-- only for US-based stores.

Hands-on tax obligation configurations can in addition be added for countries or regions.

Pros & Negative aspects.

Pros.

Recurring assistance.

Incorporates advertising gadgets.

Consists of a third-party application store.

Free appealing designs.

Long-lasting client experience.

Instinctive configuration.

Uses a 14-day trial.

Cons.

Transaction costs collect swiftly.

No-refund plan.

Expensive advanced rates.

Shopify evaluation final thought.

Overall, Shopify is one of the best hosted solutions for those desiring to develop an on the net shop-- as well as also probably one of the most reliable for any person that intends to make use of one item to sell on the web As Well As in a physical location. It's also particularly helpful for customers that are interested in dropshipping.

The item is competitively valued-- especially when you think about that deserted cart saver capacity, a function which great deals of numerous other systems charge a cost for on all techniques. And additionally, it's Lite method stands for wonderful worth for any person requiring to market products on an existing site.

It's furthermore easy to use, integrates well with a massive collection of various other apps, and also its motifs are appealing. It has a large user base-- 1,000,000 people-- which additionally influences confidence. There are some drawbacks of using Shopify to be acquainted with also, nevertheless.

Frequently Asked Question

Exactly how do I obtain a price cut code for Shopify?

Click any one of our deal web links and additionally the Shopify discount price code will certainly be put on your purchase. Or you can duplicate our voucher code as well as apply it while looking into Shopify.

Does Shopify provide pupil discount prices?

No, Shopify does not supply any kind of discount rate prices mainly for trainees. However, they do use other coupons that you can discover in this brief article.

Can you incorporate price cut voucher codes on Shopify?

Shopify voucher codes can not be incorporated. Having a 10% off promotion code, you can not consist of one more code with the precise same order.

[alvinerawlen]

Westminster Finance Uk

Westminster Finance Uk Overviews

 Westminster Finance Uk The Finance Department is answerable for the monetary undertakings of the City. This incorporates the taking care of and speculation of money receipts, and payment of all monies, acquisition of merchandise and ventures, protecting the monetary resources and records of the City, and planning of the Budget and Comprehensive Annual Financial Report (CAFR).Westminster Financial Companies have been centered around giving the most ideal help to our counselors and their customers. As a family-possessed, free specialist seller situated in Dayton, Ohio, we bolster around 50 counsels and are SEC enrolled in every one of the 50 states. With a wide cluster of innovation contributions and master staff, notwithstanding the force and probability of our three backup branches, Westminster is the ideal accomplice whether you are a prospecting customer, worker, or free guide. Come join the familThe Foreign Quarterly Review was an autonomous London-based quarterly that distributed from July 1827 to July 1846.

 Westminster Finance Uk Services

Commercial Mortgages

 A business contract is any credit made sure about on property which isn't your living arrangement. Purchase to let contracts are an extraordinary kind of high volume business contract which is bundled for a volume advertise. We offer a bespoke and all encompassing support of all UK expats looking for contracts here in the UK. The UK contract showcase has contracted significantly since the financial downturn with numerous high road banks and building social orders pulling back from the ex pat market. There stays various serious alternatives accessible. Normally, we manage ex taps situated in Europe, Australia, New Zealand, the Middle and Far East, just as the States and Canada - despite the fact that we for the most part help expats any place they are on the planet. Our group can source contracts for ex taps both returning to the UK and staying in their host nation. Business contracts by and large assume control over where business credits finish. Business credits up to £25,000 are unbound, however for bigger sums moneylenders need security so as to lessen the hazard to themselves.

 Purchase to Let Mortgage UK

 We know about the unmistakable difficulties looked by expats with regards to making sure about a serious ex pat home loan bargain. Customers living abroad regularly disclose to us that they feel punished in light of the fact that they are paid in a remote cash, have normally been outside of the UK for a year or more and now and again have issues with their UK FICO assessment. The credit referencing information, from organizations, for example, Experian and Equifax, isn't effortlessly refreshed when a borrower is outside the UK. This data, combined with the way that by far most of Banks currently utilize computerized credit scoring, causes critical issues. We effectively mastermind contracts for UK expats living abroad and offer both property holder advances to either buy or re-contract houses or pads. We effectively sort out account on private properties and home loans for venture buys, through our Buy To Let plans.

 What Is Property Finance?

 You may have run over the term 'Property Finance' while investigating your business subsidizing choices and maybe you're still a little uncertain about what this loaning item involves? There are various variations that are utilized to depict Property Finance items, yet the absolute most normal are business money, spanning fund, term advances and premium just credits. Property Finance is really one of the most straight-forward subsidizing items out there and basically, it is a made sure about business advance. At the point when individuals get to Property Finance, they secure the advance against a private or business property – and now and again, a property portfolio is additionally utilized as insurance. This sort of made sure about business advance is ideal for organizations that can possibly become however because of an absence of capital, have been not able to meet their development targets already.

 About UK Business Finance

 UK Business Finance offer both a consultative and vital way to deal with guarantee we meet the individual needs and necessities of our business customers. UK Business Finance organizer Glyn Millsom has more than 20 years Finance experience predominately with MB (UK), starting over £300m p.a. in money related exchanges and organizer part and previous executive of the Association of Mortgage Packagers and Distributors liable for over £8bn of fulfillments during its multi year history. UK Business Finance are an Independent Specialist Consultancy. We give Commercial and Business Finance backing to SME customers all through the entire of the UK. Regardless of whether your business is settled or another beginning we can assist you with Commercial Mortgages, Property Development Finance, Business Loans,Short Term 'Connecting' Finance, Factoring, Equipment Leasing and guidance on Grant Funding and how to make sure about assets by means of the Government Enterprise Finance Guarantee Scheme (EFGS).

 What is business fund?

 Your new business thought is all set. Or on the other hand perhaps you're prepared to develop your present business. In the event that you don't have the profound pockets to back it yourself, you'll have to locate the correct private company subsidizing. However, where, precisely, do you start? A few kinds of subsidizing are quicker to get than others, some require greater security, some are less expensive, some accompany surprises. You have to realize what type will be best for your circumstance. It's critical to discover financing that fits. You have a business to run. You don't need your money related game plans to disrupt the general flow. They ought to be a sail not an anch Some business financing choices probably won't be accessible to you. In case you're new off the squares, customary banks may be hesitant to take a risk on you. They can't see your past exhibition or judge your expertise at maintaining a business. Furthermore, on the off chance that you have no advantages for set up as security, it will be hard to get an enormous advance. Value subsidizing isn't a possibility for sole brokers. On the off chance that you need to sell shares, you'll should be an organization (despite the fact that you can sell an enthusiasm for an association).

 FOREIGN INVESTMENT

 Remote venture into the UK's most beneficial enterprises has plunged since the 2016 Brexit submission, official information appeared, proposing that vulnerability over future exchanging courses of action with the EU is preventing organizations from focusing on the nation. The quantity of outside venture ventures into the UK dropped by 14 percent to 1,782 in the financial year finishing March 2019, denoting the most minimal level in six years, as indicated by a report distributed on Wednesday by the UK's Department for International Trade. It is the second back to back yearly fall since March 2017. The information recommends that "outside organizations have gotten increasingly wary about putting resources into the UK due to Brexit vulnerabilities", said Archer Howard, boss financial counsel at EY Item Club, a consultancy. "This may have prompted the critical deferring of venture ventures, in any event, if not out and out retraction." Investors have generally considered the To be as one of the most appealing goals, offering help for financial development, work creation and mechanical advancement.

 What is Islamic Finance?

 Islamic money is a kind of financing exercises that must conform to Sharia (Islamic Law). The idea can likewise allude to the ventures that are allowable under Sharia.The basic acts of Islamic fund and banking appeared alongside the establishment of Islam. In any case, the foundation of formal Islamic money happened distinctly in Islamic account alludes to the methods by which enterprises in the Muslim world, including banks utilizing the EIBOR rates, and other loaning organizations, raise capital as per Sharia, or Islamic law. It additionally alludes to the kinds of speculations that are passable under this type of law. An exceptional type of socially capable speculation, Islam makes no division between the profound and the mainstream, consequently its venture into the area of monetary issues. Since this sub-part of fund is an expanding field, in this article we will offer a diagram to fill in as the premise of information or for additional investigation. In spite of the fact that they have been ordered since the start of Islam in the seventh century, Islamic banking and fund have been formalized bit by bit since the late 1960s, correspondent with and in light of huge oil riches that powered restored enthusiasm for and interest for Sharia-agreeable items and practice.

 Portfolio Management

 Portfolio the board is the choice, prioritization and control of an association's ventures and projects in accordance with its key goals and ability to convey. The objective is to adjust change activities and the same old thing while at the same time advancing rate of profitability.

Sorts of Portfolio Manager Positions

1.Size of reserve: A portfolio chief may oversee resources for a moderately little free store or an enormous resource the board foundation. A portfolio administrator may likewise deal with the capital of a huge business, for example, a bank or an association with an enormous gift, for example, a school or college.

2.A director who oversees resources for a huge cash the board organization is generally alluded to as a portfolio supervisor, while somebody who oversees littler reserve resources is normally called a store administrator. Somebody who oversees resources for an enormous business association or school is usually alluded to as a main speculation official (CIO).

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[siva3155]

300+ TOP SAP SD Objective Questions and Answers

SAP SD Multiple Choice Questions :-

1. The individual physical tables in the SAP Information Warehouse are called what? A.Key figures B.Characteristics C.Info structures D.Time base E.Period units Ans: C 2. I need to be able to fulfill a customer requirement wherein Incoterms in the sales document header is not allowed to be different from the item. Where do I tweak the system to fulfill the requirement? A.Need to configure copying control in sales B.Need to configure common distribution channel C.Need to configure common division D.Need to configure the sales document type E.Need to configure the item category Ans: E 3. An organizational unit facilitating differentiation between the various stocks of a material within a plant ? A.Shipping point B.Storage location C.Transportation planning point D.Shipping condition E.Plant Ans: B 4. In SAP, it is possible to vary transaction currency in the header and item level of the sales document A.True B.False Ans: B 5) When you enter a sales order you don’t need to specify the sales area immediately. If you don’t, where does the system automatically derive the sales area? A.Material master B.Customer master C.Implementation guide (IMG) D.Customer-material info record E.Condition record Ans: B 6.)When you are creating a sales order, the system tries to determine the plant from several sources. When checking the customer master data, which partner function does the system check for plant determination? A.Sold-to party B.Ship-to party C.Payer D.Bill-to part Ans: B 7)In controlling which order types are permitted for a particular sales area, configuration is not required if all order types are permitted in all sales areas. A.True B.False Ans: A 8)What part of the company is responsible for the type of shipping, the necessary shipping materials and the means of transport? A.Sales Organization B.Transportation planning point C.Shipping condition D.Shipping point E.Warehouse Ans: D 9)In availability check, what enterprise structure does the system use as basis? A.Shipping point B.Plant C.Company code D.Sales organization E.Distribution channel Ans: B 10)In the unlikely event that your order contains different partner functions, where does the system check the information to know if the customer accepts delivery on a certain day and time? A.Sold-to party B.Ship-to party C.Payer D.Bill-to part Ans: B

SAP SD MCQs 11.    How is an Item Category determined in a Sales Document? A.    Order Type + Item Category Group B.    Order Type + Item Category Group + Higher Level Item Category C.    Order Type + Item Category Group + Higher Level Item Category + Usage D.    None of the above. Ans: C 12.    Which of the following are true for a Header Condition? A.    Header Conditions are applicable to the whole document B.    Header Conditions have to be entered only in Header Condition Screen C.    Header Conditions have no Access Sequence D.    All of the above Ans: D 13.    In a Business requirement the price of a material is based on the ‘Region’,  ‘Sales Org.’, ‘Distribution Channel’ . If you were to create a Condition Table for this scenario, the order in which the fields are arranged is? A.    Material, Sales Organization, Distribution Channel, Region B.    Material, Distribution Channel, Region, Sales Organization C.    Sales Organization, Distribution Channel, Region, Material D.    None of the above Ans: C 14.    If an Exclusive Indicator in an Access Sequence is activated, which of the following is true? A.    Does not allow the system to further search for condition Records if a valid Record is found B.    Will allow the system to take only the last condition Record even though there are other condition records prior to that C.    Excludes the system from carrying out pricing D.    None of the above. Ans: A 15.     What is Credit Exposure? A.    Opens Sales Orders B.    Opens Sales Orders + Open Deliveries C.    Opens Sales Orders + Open Deliveries + Open Invoices D.    Opens Sales Orders + Open Deliveries + Open Invoices + Open Items Ans: D 16.    How does the system carry out Static Credit limit check? A.    Net Document Value + Credit Exposure B.    Net Document Value + Open Items C.    Net Document Value (with horizon period) + Credit Exposure D.    None of the above Ans: A 17.    Free Goods is supported for which of the following in SAP R/3? A.    Third Party Order B.    Deliveries without reference to order C.    Make-to Order D.    None of the above Ans: C 18.    In which processes of Consignment “Transfer Order for picking” is used? A.    Consignment Fill-up B.    Consignment Issue C.    Consignment Returns D.    Consignment Pick-up Ans: A 19.    A BoM consists of items A, B and C. Which of the following is not an Alternative BoM? A.    A B.    A+B C.    A+B+C D.    A+B+C+D Ans: C 20.     What do you observe when a BoM is entered in Item Proposal and copied to a Sales Order? A.    BoM does not explode in Item Proposal but when copied to Order it explodes B.    BoM explodes in Item Proposal first and then is copied to Order C.    BoM does not explode in neither of the cases D.    None of the above Ans: A 21.     What are the views related to Sales and Distribution in MMR? A.    Sales Org 1, 2 and Accounting B.    Sales Org 1, 2, Sales General/Plant, and Accounting C.    Sales Org 1, 2, Sales General/Plant, Foreign Trade Export and Sales Text D.    None of the above Ans: C 22.    If a material is created for Plant X, how is the same material defined for Plant Y? What is the process called? A.    MM02 and Extending the material B.    MM01 and Extending the material C.    MM01 and Creating the material D.    None of the above Ans: B 23.    What are FERT and HAWA? A.    Finished Product and Trading Product B.    Trading Product and Finished Product C.    Finished Product and Configurable Material D.    None of the above Ans: A 24.    For Material Master Record creation the important control functions like defining screen sequence, grouping field selection functions etc are based on? A.    Material Type and Industry Sector B.    Material Type and Item Category Group C.    Industry Sector and Item Category Group D.    None of the above Ans: A 25.     When a Customer Master is changed, are the changes reflected in the already created documents? If yes/no, what are the fields? A.    Yes and all the changes in Customer master are copied to already created order B.    Yes but only address change is copied to already created order C.    No D.    None of the above Ans: B 26.    What is WM Transfer Order? A.    Request to Transfer material from storage location to customers place B.    Request to transfer material from one storage location to another storage location C.    Request to Transfer material from one place to another place within a storage location for picking purpose D.    None of the above Ans: C 27.    What are the effects of PGI? A.    Stock levels are reduced, Billing Due list updated B.    Material and Accounting Documents created C.    Status in Delivery changed and requirements reduced or eliminated D.    All of the above Ans: D 28.     How is a delivery document created? A.    Using One shipping point only B.    More than One shipping point can be used C.    Warehouse Number D.    None of the above Ans: A 29.    What is the relationship between Sales Organization and Company Code? A.    One Sales Organization may be assigned to many company codes B.    Many Sales Organizations may be assigned to many company codes C.    Many Sales Organization may be assigned to one company codes D.    None of the above Ans: C 30.    What is Sales Line? A.    Sales Organization + Distribution Channel + Division B.    Sales Organization + Distribution Channel C.    Sales Organization + Division D.    None of the above Ans: B 31.    Billing of partial quantity is only possible if ? A.    Item Category has Billing relevance as A B.    Item Category has Billing relevance as B C.    Item Category has Billing relevance as K D.    None of the above Ans: C 32.    To cancel a Billing Document, which of the following is true? A.    A cancellation Billing Document Type is required B.    A Billing Document cannot be cancelled C.    It is cancelled by just changing the values in A Billing Document D.    None of the above Ans: A 33.    Which of the following are True for Returnable packaging material? A.    Returnable packaging material may be stored at Customer Location but remains the property of the company B.    It is not treated as Special Stock C.    If the Customer does not return the returnable packaging material by specified time then he may be billed for the same D.    Only A and C are correct Ans: D 34.    Which of the following are true for Inter-Company Sales Processing? A.    Delivering Plant must be assigned to Selling Sales Organization B.    Internal Customer Number must be assigned to the Selling Sales Organization C.    Inter-company Billing Document Type must be assigned to Order Type D.    All of the above Ans: D 35.    Which Standard Condition Type is linked to Payment Terms? A.    MWST B.    SKTO C.    RB00 D.    No Condition Type is linked to Payment Terms Ans: B 36.    If a Sales Order determines two condition types which have Condition Class as B (price),how does the system react? A.    System picks the first price invalidating the other price B.    System picks the second price invalidating previous price C.    System does not recognize any price D.    None of the above Ans: B 37.    Rebate Condition Types have the condition Class as? A.    A – Discount/Surcharge B.    B – Price C.    C – Expense Reimbursement D.    Any of the above Ans: C 38.    Which of the following tables are correct? A.    VBUK – Header status, VBUP – Item Status, VBFA – Document Flow B.    VBRK – Header Billing Data, VBRP –Item Billing Data C.    LIKP – Delivery Header Data, LIPS – Delivery Item Data D.    All of the above Ans: D 39.    Which of the following are true for an Output Type? A.    Controls Print Program, SAPScript layout, medium, partner functions B.    Standard Output Types : Order Confirmation – BA00, Invoice – RD00 C.    A and B above D.    None of the above Ans: C 40.    A Returns Order may lead to either a Credit Memo or a subsequent delivery free of charge. How do we avoid credit memo if the later is used? A.    Reject the Items in the Returns Order then copy to subsequent delivery free of charge Order B.    First create a credit memo and then cancel it and create subsequent delivery free of charge Order C.    It is not possible to stop credit memo D.    None of the above Ans: A 41.    What are common Distribution Channels and common Divisions? A.    Common Distribution Channels and Common Divisions are used to maintain same data for different Distribution channels and divisions B.    Combing a distribution channels and combining divisions C.    Treating all distribution channels and all divisions as same D.    None of the above of the above Ans: A 42.    If Invoice Correction Request is to be characterized as Debit Memo, what important changes do you suggest? A.    Document Category must be L (Debit Memo Request) B.    Billing Type would be a Debit Memo (L2) C.    Both A and B above D.    None of the above Ans: C 43.    How can you prevent Purchase Orders from duplication? That is same purchase Order should not be entered again? A.    By using “Check PO Number” field in the Order Type settings B.    Using Copy Control C.    Using Incompletion Procedure D.    None of the above Ans: A 44.    A business needs the cost of free of charge sub-items in Free goods to be transferred to Main Items. How is this possible? A.    By manually adding sub-item costs to main Items B.    By activating “Cumulate Cost” for main Item Category Controls in Copy Control C.    By specifying in Item Category controls D.    None of the above Ans: B 45.     If a Condition Exclusion is activated for a Condition Type for which Condition Supplements are also specified, how would a system react? A.    System ignores Condition Exclusion B.    System Ignores Condition Supplements C.    It is not possible to set both simultaneously D.    None of the above Ans: A 46.    What is 3 system landscape? A.    Development Environment + Quality &Testing Environment + Production Environment in one server B.    Development Environment + Quality &Testing Environment + Production Environment in two servers C.    Development Environment + Quality &Testing Environment + Production Environment in three servers D.    None of the above Ans: C 47.    At which points in Sales and Distribution cycle the system can be set to carry out Automatic Credit Check? A.    Order level Only B.    Order and Delivery only C.    Order, Delivery and PGI D.    None of the above Ans: C 48. What is a Delivery Group? A.    Group of delivery documents to be delivered B.    Group of Orders to be delivered together C.    It combines some or all items of an Order so as to deliver together D.    None of the above Ans: C 49.    What is the function of Strategy in Substitution reason? A.    Specifies whether a warning message is to be issued before material determination execution B.    Specifies whether the system should display the alternative items for selection C.    Both of the above D.    None of the above Ans: B 50.    In which Material Determination process is the “Material Entered” also should have material master record? A.    Material Entered need not have a material master record at all B.    Material Entered should always have a material master record C.    Only if the substitute item is displayed as sub item, material entered should have a material master record D.    None of the above Ans: C 51.    Which of the following is correct for Lean Warehouse Management System and Warehouse Management System (full fledged)? A.    In a Lean Warehouse Management System stock is maintained at Storage Location level only B.    In Warehouse Management System stock is maintained at bin levels C.    Both A and B are correct D.    None of the above Ans: C 52.    When a new account group is created which of the configurations are correct? A.    New Account Group should be assigned to Partner Determination Procedure B.    New Account Group should be assigned to Partner Functions C.    Both of the above D.    None of the above Ans: C 53.    A status Group in an Incompletion Procedure specifies that if a document is incomplete it should block? A.    Delivery B.    Billing C.    A or B or both D.    None of the above Ans: C 54.    How is a Pricing Procedure determined? A.    Document Pricing Procedure + Customer Pricing Procedure B.    Document Pricing Procedure + Customer Pricing Procedure + Sales Area C.    Pricing procedure is directly assigned to Order Type D.    None of the above Ans: B 55.    If the Item numbers of a document have to be copied to another document as it is, then it is configured in? A.    Document Type B.    Item Category C.    Schedule Line Category D.    Copy Control Ans: D 56.    Backward scheduling is used? A.    To determine which Shipping Point is used for delivery B.    To determine whether delivery should be carried out or not C.    To determine Material Availability Date D.    None of the above Ans: C 57.    For carrying out Availability Check which of the following acts as main switch? A.    Schedule Line Category B.    Item Category C.    Requirements Class D.    None of the above Ans: C 58.    What is a Back Order? A.    Back dated Order B.    Old Order C.    Unconfirmed Order D.    None of the above Ans: C 59.    What is MALA in Storage Location Rule? A.    Shipping Conditions + Loading Group + Delivering Plant B.    Storage Conditions + Shipping Point + Delivering Plant C.    Storage Conditions + Loading Group + Delivering Plant D.    None of the above Ans: B 60.    For Delivery Item Category, if “Relevant for Picking” is not activated then? A.    Transfer Order is not required B.    Transfer Order is mandatory C.    Material is not relevant for delivery D.    None of the above Ans: A 61.    The main difference between Contracts and Scheduling Agreements is? A.    Contracts are Outline Agreements whereas Scheduling Agreements are not B.    Contracts have schedule Lines whereas Scheduling Agreements do not C.    Contracts do not have schedule Lines whereas Scheduling Agreements have D.    None of the above Ans: C 62.    Which of the following are correct? A.    Item category + MRP Type ? Schedule Line Category B.    Item category + MRP Type ? Requirements Type C.    Both A and B are correct D.    Only A is correct Ans: C 63.    Which of the following are correct for Reports? A.    May be used as Lists to view Orders, Quotations and can also be Work List such as Deliveries which have not been billed B.    Most of the Reports are managed using a special Tool called ABAP List Viewer (ALV) which allows to sum the totals, or sequence the columns etc. C.    Both A and B are correct D.    None of them are correct Ans: C 64.    If the Release order value exceeds Value Contract, how the system should respond may be controlled by? A.    Item Category B.    Document Type C.    Schedule Line Category D.    None of the above Ans: A 65.    In a third party order process where do you specify the Purchase Requisition Document Type? A.    Order Type B.    Item Category C.    Schedule Line Category D.    None of the above Ans: C 66.     Which of the following tables are correct? A.    VBAK – Sales Header Data, VBAP – Sales  Item Data B.    VBEP – Schedule Line Data C.    KNA1 – Customer General Data, KNVV – Customer Sales Data D.    All of the above Ans: D 67.    An Account Group determines? A.    Fields, Partner Functions, One-Time Customers, Number Range B.    Sales Order Creation and Item Category Determination C.    Pricing Procedure D.    None of the above Ans: A 68.    What is a match Code? A.    Comparison key, to search for a Key based on some values of the record B.    It is a Transaction Code C.    A code used alternate to Company Code D.    None of the above Ans: A 69.    What is the relationship between Company Code and Credit Control Area? A.    One company code may be assigned to many Credit Control Area B.    Many company codes may be assigned to many Credit Control Area C.    Many company codes may be assigned to one Credit Control Area D.    None of the above Ans: C 70.    A customer buys the products from 3 Company Codes belonging to a group. How many Customer Numbers are required for this customer? A.    1 B.    2 C.    3 D.    4 Ans: A SAP SD Questions and Answers pdf Ddownload Read the full article

[alexwinfield-blog1]

ASOS: A Surveillance Of Size

ASOS (AsSeenOnScreen). Where do we begin?

If you were like me, it may have just been brought to your attention that ASOS can be translated into this acronym. In fact, many customers of the brand are not aware of this.

ASOS is an online British fashion and cosmetic retailer, which was founded in 2000. Selling around 850 brands and shipping to over 200 countries worldwide.

For me, ASOS is my holy grail online shopping outlet. If I’m bored? You’ll find me scrolling through ASOS. Distracted in a lecture? (shameful, I know). I’ll probably be weeping at the expense of all the items in my ‘saved items’ list. In desperate need of something to wear for a night out? ASOS will sort me out, for sure.  And the wedding I haven’t been invited to yet? You’ll always find me admiring the pretty dresses. 

What I love about ASOS is that they have such a broad range of clothing, from swimwear to fancy dress inspiration, and even HOMEWARE. You can’t go wrong.

I suppose I could be described as a ‘serial scroller’ when it comes to online shopping. An innocent addiction which quite frankly my bank account takes the hit from. Time. And. Time. Again.

It is almost like ASOS knows how much I want that new summer co-ord with pretty flowery detailing from the latest “summer range drop”, saved in a size 8. And I suppose they also know how many times I’ve put that sparkly pink jumpsuit into my basket, and how long I spend staring at the total before coming to the conclusion that maybe, just maybe, £150 is too much to spend on one item of clothing that I’ll probably only wear once, and then Depop later in the year.

You mean they do know?

Damn right! Your edit is where we have put together a collage of your top pics.

You mean they purposefully target my Instagram and Facebook feed with my saved items (or similar) in order to entice me to go back and purchase them?

Oh yes. Subtle, right?

What about my sizing? Surely they haven’t got that figured out too?

Correct! We know you usually fit into a size 8 in tops, an 8 in trousers/skirts and well, jumpers? 12-14. We know you love them oversized!

So, what you’re saying is, I just need to enter my details of my preferred payment method and that’s it?

No way! We aren’t time wasters. We’ve remembered your card details from before (and your boyfriend’s, just in case he ever feels like being extra generous again). No faffing around here.

If you think you’re that smart, what about my delivery address? This girl travels…

No problem. So, you’re normally in Reading, right? We mainly deliver there, but it seems your impulsive purchasing isn’t just restricted to Reading. Because of this, we’ve saved your home address for these occasions. Oh, and when you’re desperate and no one is home. Your mum’s work isn’t shy of a few parcels every now and again, is it?

As demonstrated in the narrative above, ASOS are well and truly the experts at keeping check of our online shopping activity. However, it is important to use the phrase “keeping check” loosely, as the proper term for this type of behaviour analysis can be defined as “surveillance capitalism”. By storing information such as our addresses, card details and most frequently searched items, ASOS is able to create a more efficient process of online shopping for its consumers, meaning that online shopping can be as easy as 1 (finding the items you like), 2 (purchasing these items), 3 (having them delivered to your doorstep).

Lehtiniemi (2017) outlines that “surveillance capitalism encompasses mass dataveillance”, which aims to “regulate and govern” behaviour of individuals engaging in a specific platform, such as the likes of ASOS. Within this platform, technology developers have the power to turn people from “data sources” into “active data subjects”, however at the same time promise to “empower people to take control of processing of personal data”. Here, it could be argued that it perhaps isn’t the case that customers of ASOS are in control of their personal information, in the way that this information is extracted in order to manipulate the routine behaviour of its customers through “targeting” and “personalisation”. Despite ASOS encouraging its customers to give their personal information away in order to receive a better service, ultimately, this is a “profit-turning” exchange which benefits the back pockets of the technology developers within ASOS. This digital economy therefore extracts any personification of these individuals, essentially transforming them into “quantified data”.

So, when we receive emails such as “happy birthday! Here’s a 10% off code” or advertisements on our Facebook feeds, could it be argued that at this point we are no longer viewed as human beings behind a screen? Or a respected customer of ASOS? Are we just contributing to the database of numbers? Numbers which contribute to the “datafication” as well as their profit margins?

When ASOS revamped their website in late 2018, personally, it came as a shock to me that out of nowhere, ASOS seemed to know my sizing, and this fluctuated for different types of clothes, so I was impressed that it could recommend all these different sizes. However, what baffled me the most about this concept was that I had never given ASOS any of my measurements. But this was the thing. It was then that I realised that ASOS was pretty much guessing my size on each occasion, and it just happened to be that 9 times out of 10, they matched the size I would most likely buy. UNTIL… when writing this, I checked again.

So, you want to buy this dress?

Let’s say you’re a new customer to ASOS. You haven’t ordered from there before and you average around sizes 8-10 in most items of clothing. You aren’t aware that in order for this sizing match feature to be most effective, you need to enter not only your ‘tummy’ measurements, but your bust, waist and lower hip (whatever that’s supposed to mean). However, you are often very conscious of your body shape, regularly feeling like summer clothes like this will look silly on you. Nevertheless, feeling confident that you can definitely rock this look, you click ‘add to basket’. But not too fast! Before ASOS holds this in your basket for you, you are faced with a size recommendation. Oh, a size 12. You’ve never bought a dress in a size 12 before and you feel slightly bemused. You love things to be oversized, but not a DRESS? This knocks you back even further, resulting in you feeling even more body conscious than you did before.

This can be deceiving until you enter your personal details. As someone who doesn’t keep track of their weight, when entering my details to demonstrate this feature, I was surprised to feel extremely vulnerable. Who is seeing this information? And how will it be used? 

And this was the outcome...

The point I am trying to make here is that this feature can either make online shopping a hassle-free, more efficient process, or alternatively in some cases, a very daunting and humiliating procedure. Here’s why. In today’s society where women and men often find themselves being defined by their appearance, I was left feeling what I can only describe as frustratingly stunned when Victoria Secret welcomed Barbara Palvin as their new ‘plus sized’ model to their ‘Angel’ community.

You can make a judgement for yourself about whether you agree to this label of ‘plus sized’.

Although an extreme link, which may only apply to very few of ASOS’ customers, it is estimated that 1.7% to 2.4% of the world’s population suffers with Body Dysmorphic Disorder (BDD). That’s 1 in nearly every 50 people. This disorder is characterised by negative thoughts about one’s perceived flaws, which burdens them every day. These thoughts have potential to interfere with the daily functioning of one’s life, leaving them feeling extremely distressed, often resulting in isolation from friends and family in fear that people around them may notice these ‘flaws’. However, the reality of this disorder is that no amount of convincing or reassuring can encourage someone to believe that these thoughts are irrational, and that no one else is thinking the same as them.

So, despite ASOS asking for your age, your height and your weight, with the innocent intention of improving your online shopping experience through a more personal approach, why can shopping online now feel as though we are having a routine check up at the doctors every time we sign in? Is it essential that ASOS withholds all of this information about us? It is unearthly that a computer calculates these numbers every time we want to do some shopping?

I took to Twitter to see what people thought about this new size recommendation feature, and this is what I found:

What do you think?

Has this sizing feature hindered or enhanced your shopping experience with ASOS?

References:

Lehtiniemi, T. (2017). Personal data spaces: An intervention in surveillance capitalism. Surveillance and Society, 15 (5), 626-639.

Cherrington, R. (2017). ASOS Is Guessing What Size Its Customers Are, And They're Not Happy About It. Retrieved from: https://www.huffingtonpost.co.uk/entry/asos-size-recommendation_uk_58871c69e4b02085409924c3

[charlydox-blog]

ACC 492 FINAL EXAM – LATEST

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    ACC 492 Final Exam – Latest

 1. Which of the following tests are typically not necessary when auditing a client’s schedule of recorded disposals?

Footing the schedule.

Tracing schedule totals to the general ledger.

Tracing cost and accumulated depreciation of the disposals to the property master file.

All of the above are necessary.

2. _______accumulate costs by individual jobs as material is issued into production and labor costs are incurred.

Just-in-time production systems

Job order cost systems

Process cost systems

Manufacturing systems

3. The introductory paragraph of the standard audit report for a non-public company performs which functions? I.    It states the CPA has performed an audit. II.    It lists the financial statements being audited. III.    It states the financial statements are the responsibility of the auditor.

I and II

I and III

II and III

I, II and III

4. Auditors are especially concerned with three aspects of internal control for the sales and collection cycle. Which of the following is not one of their major concerns?

Controls related to the allowance for uncollectible accounts

Controls that prevent or detect embezzlements

Controls over sales discounts

Controls over cutoff 5. Which of the following accounts is not associated with the acquisition and payment cycle?

Accrued property taxes

Income tax expense

Common stock

Property, plant and equipment 6. For audit evidence to be compelling to the auditor it must be sufficient and appropriate. Which statement below is not correct regarding the appropriateness of audit evidence?

Evidence obtained from independent sources outside the entity is generally more reliable than evidence secured solely within the entity.

An auditor’s opinion, to be economically useful and profitable to the auditing firm needs to be formed within a reasonable time and based on evidence obtained that assures profits for the auditing firm.

The independent auditor’s direct personal knowledge, obtained through inquiry, observation and inspection, is generally more persuasive than information obtained indirectly.

The more effective the internal control system, the more assurance it provides the auditor about the reliability of financial reporting by the client.

7. A document used by organizations to establish a formal means of recording and controlling acquisitions which usually contains a package of documents about the acquisition is the:

voucher.

purchase requisition.

purchase order.

receiving report.

8. You are auditing Manufacturing Company and testing the audit related objective of completeness for the equipment accounts. Which of the following audit procedures is most likely to achieve your objective?

Trace individual acquisitions to the fixed asset master file.

Physically examine assets.

Examine vendor invoices and receiving reports.

Examine vendor invoices of closely related accounts such as repairs and maintenance.

9. A sample in which the characteristics of the sample are the same as those of the population is a(n):

random sample.

attributes sample.

variables sample.

representative sample.

10. Which of the following business functions is not considered to be part of the acquisitions class of transactions?

Recognizing liabilities

Processing purchase orders

Processing cash disbursements

Recognizing liabilities

11. Which of the following is not explicitly stated in the standard unqualified audit report?

The auditors believe that the audit evidence provides a reasonable basis for their opinion.

The audit was conducted in accordance with generally accepted accounting principles.

An audit includes assessing the accounting estimates used.

The financial statements are the responsibility of management.

12. When the auditor decides to select less than 100 percent of the population for testing, the auditor is said to use:

audit sampling.

poor judgment.

estimation sampling.

representative sampling.

13. The ________ is a contract between a carrier (e.g., a trucking company) and the seller of goods that dictates the details surrounding the shipment of goods.

sales invoice

remittance advice

picking ticket

bill of lading

14. Which of the following is a correct statement regarding audit evidence?

A large sample of evidence provided by an independent party is always considered persuasive evidence.

A small sample of only one or two pieces of highly appropriate evidence is always considered persuasive evidence.

The auditor must obtain a sufficient amount of relevant and reliable evidence to form an opinion on the fairness of the financial statements.

Evidence is usually more reliable for balance sheet accounts when it is obtained within six months of the balance sheet date.

15. Which of the following statements is not correct?

The decision of how many items to test must be made by the auditor for each audit procedure.

The decision of how many items to test should not be influenced by the increased costs of performing the additional tests.

The sample size for any given procedure is likely to vary from audit to audit.

It is possible to vary the sample size from one unit to 100% of the items in the population.

16. Which of the following is not one of the business functions for the payroll and personnel cycle?

Payment of payroll

Reconciliation of payroll account

Timekeeping and payroll preparation

Human resources and employment

17. One unique characteristic of the capital acquisition and repayment cycle is that relatively few transactions affect the account balances, but each transaction is often highly material in amount.

True

False

18. The audit procedure that requires an auditor to “foot the acquisition schedule” relates to which balance-related audit objective?

Classification

Detail tie-in

Existence

Cut-off

19. Which of the following does not have to be considered in determining the initial sample size of a test of details?

Acceptable risk of incorrect rejection

Tolerable misstatement

Acceptable audit risk

Estimate of misstatements in the population

20. Because cash is the most desirable asset for people to steal, it has a higher:

liquidity risk.

detection risk.

control risk.

inherent risk.

21. The two primary classes of transactions in the sales and collection cycle are:

sales and cash receipts.

sales and sales returns.

sales and accounts receivable.

sales and sales discounts.

22. Master files, spreadsheets, and reports that accumulate material, labor, and overhead as the costs are incurred are:

accounting systems

storeroom documents

cost accounting records

finished goods inventory records.

23. Which of the following expenses is not typically evaluated as part of the audit of the acquisition and payment cycle?

Depreciation expense

Insurance expense

Bad debts expense

Property tax expense.

24. Smaller privately held companies may not maintain an accounts payable master file by vendor. These companies pay on the basis of:

Vendor’s monthly statements

Individual vendor’s invoices

The account payable account in the general ledger

During letters

25. The word below that best explains the relationship between required sample size and the acceptable risk of incorrect acceptance is:

Inverse. Direct. Proportional. Indeterminate.

26. Which of the following balance-related audit objectives typically is assessed as having high inherent risk for cash?

Existence

Cutoff

Detail tie-in

Presentation and disclosure 27. The final step in the evaluation of the audit results is the decision to:

project the point estimate.

determine sampling error and calculate the estimated total population error.

determine the error in each sample.

accept the population as fairly stated or to require further action.

28. The computer file used for recording payroll transactions for each employee and maintaining total wages paid for the year to date is the:

payroll transaction file.

payroll master file.

payroll bank account reconciliation.

payroll tax returns. 29. The computer-generated file which records acquisitions, disbursements and allowances for each vendor is the:

Cash disbursements file.

Accounts payable master file.

Purchase approval file.

Acquisitions transaction file.

30. Which of the following groups has the responsibility for identifying and deciding the appropriate accounting treatment for recording or disclosing contingent liabilities?

Management and the auditors

Management

Legal counsel

Auditors 31. The standard unqualified audit report for a non-public entity must:

Have a report title that includes the word “CPA.”

Be addressed to the company’s stockholders and creditors.

Be dated.

Include an explanatory paragraph

32. The appropriate and sufficient evidence to be obtained from tests of details must be decided on an:

Efficiency basis. Effectiveness basis. Audit objectives basis. None of the above

33. You are auditing Rodgers and Company. You are aware of a potential loss due to non-compliance with environmental regulations. Management has assessed that there is a 40% chance that a $10M payment could result from the non-compliance. The appropriate financial statement treatment is to:

Accrue a $4 million liability.

Disclose a liability and provide a range of outcomes.

Since there is less than a 50% chance of occurrence, ignore.

Since there is greater that a remote chance of occurrence, accrue the $10 million

33. To determine if a sample is truly representative of the population, an auditor would be required to:

conduct multiple samples of the same population.

never use sampling because of the expense involved.

audit the entire population.

use systematic sample selection

34. Auditors seldom learn about the capital acquisition and repayment cycle when gaining an understanding of the client’s business and industry.

True False

35. The total of the individual employee earnings in the payroll master file should equal the total:

of the checks drawn to employees for payroll.

balance of gross payroll in general ledger accounts.

gross pay for the current week’s payroll.

gross payroll plus the total contributed by the employer for payroll taxes.

36. When auditing the capital acquisition and repayment cycle, it is common to verify each transaction taking place in the cycle for the entire year as a part of verifying the balance sheet accounts.

True

False 37. In most manufacturing companies, the inventory and warehousing cycle begins with the:

acquisition of raw materials for production of an order.

initiation of production of a customer’s order.

receipt of a customer’s order.

completion of production of a customer’s order.

38. Some companies have customers send payments directly to an address maintained by a bank. This is called a(n) ________ system.

direct deposit

funds transfer

lockbox

interbank transfer

39. A commitment is best described as:

an agreement to commit the firm to a set of fixed conditions in the future.

a potential future obligation to an outside party for an as yet to be determined amount.

an agreement to commit the firm to a set of fixed conditions in the future that depends on current market conditions.

an agreement to commit the firm to a set of fixed conditions in the future that depends on company profitability.

40. The management’s responsibility section of the standard audit report for a non-public company states that the financial statements are:

none of the above.

the responsibility of management.

the responsibility of the auditor.

the joint responsibility of management and the auditor.

41. Which of the following is an analytical procedure to determine if there is idle equipment or equipment that was disposed of but not written off?

Compare annual repairs and maintenance accounts with previous years.

Compare gross manufacturing cost divided by some measure of production with previous years.

Compare accumulated depreciation divided by gross equipment cost with previous years.

Compare depreciation expense divided by gross equipment cost with previous years.

42. Accrued payroll taxes are normally considered to be associated with the acquisition and payment cycle.

True

False

43. Which of the following is a business function related to sales returns and allowances?

Processing customer orders

Writing off uncollectible accounts

Processing and recording credit memos

Granting credit

44. In addition to confirming bank balances of your audit client, a bank confirmation would normally contain:

the client’s bank loans with due date, interest rate, and collateral requested.

the client’s business prospects.

the client’s credit history as regards to paying back loans.

the client’s managements bank account information.

45. Which of the following audit procedures would be the most correct in determining the audit objective of existence for the equipment account in the fixed asset master file?

Examine vendor invoices and receiving reports.

Examine vendor invoices for correct accounting treatment.

Recalculate vendor invoices.

Review transactions near the balance sheet date.

[americanreporter]

Mississippi Lt. Governor Candidate Hughes Sidesteps Campaign Finance Reform Law He Pushed for in 2017

Mississippi lieutenant governor candidate Jay Hughes filed a campaign finance report Thursday that appeared to violate a reform law he pushed for two years ago.

The Democratic state representative's report showed 14 payments totaling more than $100,000 to a credit card company, UBS Visa. But the form did not itemize what had been paid for using the credit card or cards — a central requirement of the campaign finance reform bill that passed the Legislature in 2017 and took effect last year.

The reform came after an investigative series by The Clarion Ledger, "Public Office/Private Gain," showed how the state's lax enforcement of campaign finance laws has created a tax-free second income for many Mississippi politicians, mostly funded by special interests.

After Mississippi lawmakers were caught reporting unitemized credit card charges to their campaign accounts, an official who pushed for reform flouted a new law and used the same maneuvers to rack up more than $100,000 in expenses, Luke Ramseth reported for the Mississippi Clarion-Ledger. Read it HERE.

[moneyintrend]

Making money with Apps - Earn from everywhere

Every week, we already spend hours on our phones. With its weekly screen usage stats, Apple has made us acutely aware of this. Why not make some money with those hours?

There are plenty of money-making applications available for both Apple and Android users these days. Taking surveys, playing games, watching movies, investing, and even buying are all ways to make money.

The 10 Most Profitable Apps

We've tried a lot of applications, so trust us when we say we've tried a lot of them. We weeded out the duds and put up a list of our top-rated money-making applications.

1. InboxDollars: Earn Money by Watching Videos

Most of us are familiar with InboxDollars, but did you realize it pays you to watch videos? There's a lot to watch on the site, including cuisine, entertainment, news, and wellness programs. InboxDollars will credit your account with a little amount of money each time you watch one.(Are you new to InboxDollars? Here's our beginner's guide.)

Pros: You earn cash with InboxDollars, so you don't have to worry about trading points. It also has more opportunities to make money, such as surveys, scratch-off games, and internet searches.

Cons: To pay out, you must earn $30, which is a bit expensive when compared to the other sites on our list. A $3 transaction fee will also be charged.

Payment is made via check, which is mailed to you. Get a $5 incentive just for joining up and watching your first video, according to a pro tip. Available for Android (4.3 stars) and iOS (4.3 stars) (rated 4.4 stars).

2. Lucktastic: Free Scratch-offs to Win Big

If you're sitting on the sofa looking through your phone, download the Lucktastic app to play free scratch-off tickets for a chance to win $1 to $10,000 instantly.

Pros: You may download and use Lucktastic for free. You have nothing to lose if you have some spare time.

Cons: According to user feedback, winning money is an uncommon occurrence. However, we spoke with a single father who had won $5,000.

Earn a minimum of $2 and then cash out for an immediate gift card. If you spend $10 or more, you can request a check in the mail. Keep a charger on hand to keep your phone charged. Available on Android (4.2 stars) and iOS (4.2 stars) (rated 3.2 stars).

3. Get Free Prepaid Visa and MasterCards with Fetch Rewards

Fetch Rewards, a free app, will convert your receipts into gift cards. It works with a variety of companies to reward you with points for each supermarket receipt you post. Then you may swap them for Visa and MasterCard prepaid cards.

To earn prepaid Visa or MasterCards, just download the app and establish an account, then upload photographs of your supermarket receipts.

Pros: There's no need to scan barcodes or look for deals; all you have to do is email Fetch a snapshot of your receipt, and it'll take care of the rest. It may also be used with any grocery receipt.

Cons: Cashing out requires a minimum of 3,000 points, however offers range from 250 to 3,000 points, so hitting the minimum should be simple. We've seen offers for 2,000 points with the purchase of a Suave female hair product and 2,000 points with the purchase of a Blue Moon 12-pack.

When you achieve your minimum, you may cash out for prepaid Visa and MasterCard cards or gift cards to participating shops.

Pro tip: Use Fetch as soon as possible following your shopping trips, as your receipts must be within the previous 14 days. Plus, when you download the app, enter the code PENNY to get 2,000 points instantly when you scan your first receipt – you'll be well on your way to your first gift card in no time. Android (4.2 stars) and iOS (4.3 stars) versions are both available (4.8 stars).

4. Ibotta: Make Money While Shopping

You may get cash back on a variety of transactions using the Ibotta app, including groceries, Uber trips, and Amazon purchases. Simply take a picture of your receipt or use the app to shop.

Pros: Ibotta is a fantastic method to save money on goods you currently buy, both in stores and online. You'll occasionally come across gratis offerings in the mix as well. We spoke with Nancy Frost, who received $432 in cash back over the course of a year.

Cons: Be wary of purchasing goods you don't actually need only to earn money back. It's alluring.

Payment method: Once you've reached $20, you may cash out by PayPal or Venmo, or choose a gift card to a major shop such as Amazon, Best Buy, Target, or Walmart.

Pro tip: Get a $20 sign-up bonus by downloading Ibotta from The Penny Hoarder and redeeming your first 10 offers within 14 days. Available for Android (4.5 stars) and iOS (4.5 stars) (rated 4.7 stars).

5. Nielsen Consumer Panel: Earn Money for What You Keep in Your Fridge

Nielsen is a market research firm that you're undoubtedly acquainted with. It's always kept tabs on TV ratings, but now it wants a look inside your refrigerator. Scanning the barcodes on your shopping goods earns you points in the Nielsen Consumer Panel app.

Pros: Becoming a member of this market research panel is quite straightforward. Scanning the barcodes of things you've purchased is as simple as downloading the app and scanning the barcodes of the items you've purchased. To get points, share your data with Nielsen.

Cons: You won't get paid in cash or gift cards; instead, you'll get rewards.

Method of payment: Earn points that may be redeemed for items such as toys, gadgets, or household equipment.

If you don't want to use the app, you can request a portable scanner instead. Available for Android (with a 3.7-star rating) and iOS (with a 3.5-star rating) (rated 4.4 stars).

6. Acorns: Invest Your Change (and Receive a $5 Bonus)

Investing is a fantastic method to make money over time. If you're just getting started, the Acorns app is a good place to start. It allows you to invest tiny sums of money.

Pros: With Acorns, you can be as hands-on or as hands-off as you want. Its round-up function rounds up each transaction and invests your digital change automatically. In less than two years, the software helped Jeremy Kolodziej amass more than $2,000 in investments.

Cons: Acorns charges $1 per month for accounts with less than $1 million in balance. It's a shame it's not free, but consider this: for the price of one month of Netflix, you can receive a year of investing.

Withdrawals are not subject to any limitations or fees. You may withdraw money as often as you like, but investing is preferable in the long run.

Pro tip: If you join up for Acorns through The Penny Hoarder, you'll receive a $5 bonus, effectively giving you five months of free service. Available on Android (4.4 stars) and iOS (4.4 stars) (rated 4.7 stars).

7. MyPoints: Tell Us What You Think

MyPoints is a website that connects consumers to market research survey opportunities. It has been in existence since 1996.

You may earn gift cards by completing polls and filling out surveys using MyPoints. You'll get a $5 prize after completing your first five surveys.

Pros: You get points even if you don't qualify for a survey. It's also a simple gateway with a variety of methods to gain points, such as participating in polls and viewing movies.

Cons: Because MyPoints links you to surveys on third-party consumer marketing sites, you'll frequently leave the site's portal. Users say they have a hard time qualifying for surveys. (I didn't qualify for any of the five tests I took recently.)

Gift cards to major shops such as Amazon, Old Navy, and Starbucks are accepted as payment. Tip: After qualifying for and completing your first five surveys, you'll receive a $5 bonus. Android version is available (rated 3.5 stars).

8. Rover: Earn Money Playing With Dogs

You may opt to provide a number of services on Rover, such as dog walking, overnight boarding at your or their house, and daycare. According to Rover, sitters may earn up to $450 per month.

Pros: Is there anything more enjoyable than spending time with dogs? However, take it seriously. Rover allows you to establish your own hours and pricing. Choose the services you'd want to offer as well.

Cons: To build a solid reputation on Rover, you may need to decrease your hourly prices at first until you break into your city's market and start receiving favorable reviews.

You establish your own rates as a payment option. (A little percentage is kept by Rover as a service charge.) Payment can be made straight to your bank account. The money may take up to 72 hours to transfer.

Pro tip: Because boarding is the most popular service on the app, offering it might help you land more bookings. Available on Android (4.2 stars) and iOS (4.2 stars) (rated 4.9 stars).

9. Foap: Make Money With Your iPhone Camera

Do you have a smartphone that takes decent photos? Foap is a website where you may sell your photographs. List your photographs in the app's marketplace, and if someone buys the photo's license, you'll get 50% of the sale. If it sells for $10, for example, you'll make $5 every time.

Pros: Today's phones have amazing cameras, making it easy to snap high-quality photographs. The effort is done after you capture the ideal image and post it to Foap. All you have to do now is wait for a sale.

Cons: You can't be sure your photographs will sell. Also, don't expect to make a lot of money; this is simply a fun side project.

Payment method: You'll get 50% of the sale and may pay out using PayPal. Add relevant tags to your photographs as a pro suggestion. It will assist users in finding your photographs, much like it does on Twitter or Instagram. Available for Android (with a 3.8-star rating) and iOS (with a 3.8-star rating) (rated 4.5 stars).

10. Sell Your Old Stuff on Letgo

Why keep old items that you haven't looked at in over a year? Try using an online marketplace like Letgo to sell them to others in your region. It takes a lot of the effort out of selling anything online, and it's completely free to use.

Pros: Letgo allows you to sell almost anything. In less than 30 seconds, you may snap a photo and upload your item using our simple software. Another significant benefit? Letgo doesn't take a cut of the sale, so anything you make is all yours.

Cons: There's no assurance that your products will sell. Your goods may sell like hotcakes in record time...or they may sit in your closet collecting dust for a long. However, many internet markets have this danger, so brace yourself and wait.

Payment method: Letgo is only an online marketplace where you may list your things for sale, not a place where you can complete the transaction. What are its recommendations? Meet in a public area and only transfer money once the buyer has seen the goods.

Take cash or utilize a secure payment option like PayPal as a backup plan. Don't accept a "certified check" - according to Letgo, this is a typical fraud. It's also not a good idea to ship things. Available for Android (4.5 stars) and iOS (4.5 stars) (rated 4.4 stars).