Five Questions To Ask Yourself Before Buying a Stock

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Five Questions To Ask Yourself Before Buying a Stock

By: Tanner Larsson

If you are like most people today, you have either thought about investing in the stock market or you actually went out and bought some stock. If so that's great, there is lots of money to be made in the stock market, but the important question is; How do you pick your stocks?

Are you buying the stock, because your brother told you to?

Did you get a hot tip from your mailman?

Or are you just buying the stock because you like the company's products?

Believe it or not, a very large percent of people who invest in the stock market are investing their hard earned money based on the above examples without any further research.

Does this sound like a smart way to invest to you? It certainly doesn't to me.

Now if you ask your brother what stock to buy and your brother happens to be Warren Buffett, well then I think its safe to say you will make a good investment, but how many of us can claim Warren Buffett as our brother?

For the vast majority of us this kind of investing is very risky, while you could make money, it is more probable that you will lose money.

To help you keep from losing your money and to help you make the best choice when picking stocks, below you will find the five most important questions to ask yourself before buying a stock.

1.) What Does the Company Do?

This sounds like pretty basic information, but it can be tough to find. Most companies offer more than one product; a big conglomerate might offer hundreds of different products in a range of industries. Digging into the company's lineup can give you a better sense of the forces that will drive its results.

Scrutinizing a company's product line cans also tell you where its profits come from. For example: video games accounted for 11% of Sony's SNE total sales in 2000 but 40% of its earnings.

The annual report is the best source for this kind of information. Be sure to read the shareholders letter, as well as the presentations of the company's product lines. Those are also part of the company's SEC filings.

2.) How Fast is the Company Growing

Over long periods of time, stock prices are driven by earnings growth. That can come when a company cuts costs, but ultimately, revenues have to increase if earnings are to keep going up. If revenues, also called sales, are increasing, that's a good indication that something is working. Maybe the company boasts a better-than-average product or a more effective sales force. In contrast, flagging sales can signal trouble.

Earnings growth signifies that the company is making more that enough to offset its costs. Established companies should show consistent results, but young companies often display strong revenue growth with little or no earnings. Witness the myriad of Internet companies with lots of sales and no profits.

3.) How Profitable Is It?

In addition to growth, look at how efficiently the company makes money. Return on assets shows how well it has translated a dollar of its asset base into a dollar of profits. A company with a return on assets of 20%, for example, has produced $0.20 of earnings from each dollar of assets. Similarly, return on equity measures how well the firm has turned a dollar of shareholders equity into earnings.

Measures like return on equity and return on assets help you understand how efficiently a company allocates its resources, and they allow you to look beyond raw profit numbers. Companies with the same earnings figures might have very different returns on equity and returns on assets, depending on how well they have turned their assets into profits.

4.) How Healthy Are Its Finances?

Earnings and cash flow are two different things. You could earn a very generous salary but still run into cash-flow problems if you get paid only twice a year. Because of quirks in accounting practices, a company's reported earnings often differ from the amount of cash it brings in the door. The statement of cash flows, which is part of the annual report, will tell you just how much of the money a company pocketed.

It's also important to see how the company uses that cash. Digging into the cash flow statement to find out where the money's going can shed light on management's strategy and give you additional insight into the company's future. Is it building aggressively for the future by opening new stores or building new manufacturing facilities? Is it buying other firms, paying off debt, building up cash reserves, buying back stock, or paying dividends?

Companies can also issue debt to finance new plants and research efforts or to bail itself out of short term cash problems. Companies need to watch their debt levels, though. Too much borrowing can force the company to use its cash to pay interest, instead of applying it to more productive ends.

No hard-and-fast rule will tell you how much debt is appropriate for a particular company, because levels of indebtedness can vary across industries. To get an idea of whether a company is overburdened by debt, divide its assets by its equity. The result is the company's financial leverage.

5.) Is It Worth the Price?

A company might clear all these hurdles, but sell at too high a price to be an attractive investment. It all depends on how much its prospects are worth.

To figure that out, look at its forward Price/earnings ratio, for example General Electric has a forward P/E of 41, which means that the shareholders now pay $41 for $1 of the company's future earnings.

Another widely used measure is the price/book ratio. That shows how much shareholders are paying for $1 of the company's assets.

Whichever ratio you use, compare it with its parallels for other companies in its industry and for the market as a whole. That will tell you how expensive the stock is, relatively speaking. Remember, stocks with very high P/E and P/B ratios can fall dramatically when any little thing goes wrong.

Analyzing stocks isn't easy, but you will be off to a solid start if you ask these questions first before buying a stock.

Copyright Tanner Larsson


Http://www.Work-At-Home-Resource-Center.com

About The Author

Tanner Larsson is a veteran entrepreneur and the publisher of the award winning Work At Home Success Newsletter. Subscribe to his newsletter and recieve 4 EXCLUSIVE Bonuses valued at $276.)

http://www.work-at-home-resource-center.com

Comments

cfunds1 04.06.2008. 09:54

What if you possed the hotest poerty book of today? Being easily understood and free of laws. A piece of one's life of seven years of writing. One from a mischievous youth to thug years, to changing of the mind, to living with yesterdays decisions, as one hope for better and brighter day!

cfunds1

Admin 04.06.2008. 09:54

I hate to be the one to say this to you, but will find it is next to impossible to publish poetry. The odds of someone making a living as a poet are astronomical - worse than astronomical. Poetry is Just not a big seller anymore. And friends aren't necessarily the best judges of what should and shouldn't be published.

Prove it to yourself. Go to the biggest bookstore you know and ask to see the poetry section. After you dust the books off, count them. There won't be many and most of them will be from established and old poets.

Now go to the New Fiction section and see how many books are there. About 50 times as many as poetry. Because they SELL.

Stores cost money to rent. A bookstore has to ration its selling space accordingly to what they can sell to meet their overhead. They simply cannot devote a lot of square footage to books they aren't going to sell rapidly.

A high body count Dean Koontz thriller sells. Poetry doesn't.

As for selling poems to magazines, let me explain it this way. Recently the Poet Laureate of the United States sold a five line poem to a magazine. He got a check for 25 dollars - 5 dollars per line. If that is all the Poet Laureate can get, how much do you think you could get? The answer is probably nothing. They would be published free. The best you could probably do would be a free copy of the magazine with your poem in it. Not much, is it?

If you want to self publish, you need to understand Uncle Jim's Law "The money should flow TOWARD the author, not away from him." In the case of Lulu and other self publishers, the money flows AWAY from the author and at a rather large clip. It will cost and cost and cost you. You will pay and pay and still your books will not be for sale on shelves in any bookstore in America. Unless you pay for an ISBN number, they won't even be for sale on Amazon. And now, Amazon says they are removing all BUY buttons from books that aren't self published by their subsidiary BookSource. They will only carry your book for sale if you pay them 29.99 annual fee, plus 55 % of your cover price, plus you have to purchase the books yourself from your own self publisher and mail them at your expense to Amazon so they will stock them. That will put most self published books in the red REAL fast. Especially if the average sales for a self published book is 100 copies - or roughly 2/3 of your family and friends. You will lose money big time.

And the question is, without paying for publicity and promotion, how is anybody going to know the book is out there to buy it? Nobody actually surfs Amazon looking for interesting books. You can't. There are millions there.

I know that is not the answer you want to hear, but that is the cold, hard truth. Poetry is not a big seller. No major publishers are reading poetry so no agents are interested. They won't bother with something they can't sell. Sorry, but true, and a visit to your local bookstore will prove it to you. Pax-C

Just to prove it to you - Random House - the largest publisher in America currently has ZERO poetry books in their line. Harper Collins - the #2 publisher has 368. About 85% of those poets are deceased and about 10% are celebrities. Not much chance for a new poet to get published by them.

NO Do NOT go to Poetry.com. It is the biggest scam in the publishing world. EVERY poem is selected a semi finalist and placed in a book called Immortal Verses - as long as you pay the 49.95 for a copy. After that you will be told you are a finalist and invited to attend their convention at YOUR expense. There you will sit around and listen to a lot of really bad poetry and at a cheesy chicken dinner banquet, you will be presented with a 2 dollar trophy making you one of the Poets of the Year. Do NOT give them a penny! Check with the Writers Beware sites before you send anything to anyone. Absolute Write Water Cooler's Bewares and Background Checks is one. Preditors and Editors is another. Both clearly state that Poetry.com is NOT RECOMMENDED. The reason you sometimes see posts like the one below is they send people called "sock puppets" to post at sites like this - saying how great the service is and luring young authors into the scam. DO NOT listen to them. It is a known scam.

Pax-C

Admin

Pelika G 25.04.2008. 05:10

How could i brighten my future in the field of poetry? My many poems have been published in newspaper and wanted to know other sources which can make my poems popular.

Pelika G

Admin 25.04.2008. 05:10

I hate to be the one to say this to you, but will find it is next to impossible to publish poetry. The odds of someone making a living as a poet are astronomical - worse than astronomical. Poetry is just not a big seller anymore.

Prove it to yourself. Go to the biggest bookstore you know and ask to see the poetry section. After you dust the books off, count them. There won't be many and most of them will be from established and old poets - mostly dead ones.

Now go to the New Fiction section and see how many books are there. About 50-100 times as many as poetry. Because they SELL.

Stores cost money to rent. A bookstore has to ration its selling space according to what they can sell to meet their monthly overhead. They simply cannot devote a lot of square footage to books they aren't going to sell rapidly. Paying for books that languish on the shelf for a long time and get dusty doesn't pay their rent.

A high body count Dean Koontz thriller sells. Poetry doesn't.

As for selling poems to magazines, let me explain it this way. Recently the Poet Laureate of the United States sold a five line poem to a magazine. He got a check for 25 dollars - 5 dollars per line. If that is all the Poet Laureate can get, how much do you think you could get? The answer is probably nothing. They would be published free.

If you want to self publish, you need to understand Uncle Jim's Law "The money should flow TOWARD the author, not away from him." In the case of Lulu and other self publishers, the money flows AWAY from the author and at a rather large clip. It will cost and cost and cost you. You will pay and pay and still your books will not be for sale on shelves in any bookstore in America. Unless you pay for an ISBN number, they won't even be for sale on Amazon. And now, Amazon says they are removing all BUY buttons from books that aren't self published by their subsidiary BookSource. They will only carry your book for sale if you pay them 29.99 annual fee, plus 55 % of your cover price, plus you have to purchase the books yourself from your own self publisher and mail them at your expense to Amazon so they will stock them. That will put most self published books in the red REAL fast. Especially if the average sales for a self published book is 100 copies - or roughly 2/3 of your family and friends. You will lose money big time. You will be actually paying people to read your books.

And the question is, without paying for publicity and promotion, how is anybody going to know the book is out there to buy it? Nobody actually surfs Amazon anyway looking for interesting books. You can't. There are millions there.

I know that is not the answer you want to hear, but that is the cold, hard truth. Poetry is not a big seller. No major publishers are reading poetry so no agents are interested. They won't bother with something they can't sell. Sorry, but true, and a visit to your local bookstore will prove it to you.

And by the way - many poetry contests are scams. Stay away from poetry.com. Biggest scam going in the publishing business today. Check with the usual Writers Beware sources before sending anything to anyone.

Pax-C

Just to show you an example. Random House - the largest publisher in America currently has ZERO poetry books in their line. Harper Collins - the #2 publisher has 368. That's 368 books out of about 10 thousand. About 85% of those poets are deceased and about 10% are celebrities. Not much chance for a new poet to get published by them.

Admin

krauser587 19.04.2008. 01:00

what magazines should i send my poetry to in order to get it published? ive been writing poetry for almost a year now and ive had friends who have told me that i should get some of it published.im trying to find out what magazines i should send my poetry to.

krauser587

Admin 19.04.2008. 01:00

I hate to be the one to say this to you, but will find it is next to impossible to publish poetry. The odds of someone making a living as a poet are astronomical - worse than astronomical. Poetry is Just not a big seller anymore. And friends aren't necessarily the best judges of what should and shouldn't be published.

Prove it to yourself. Go to the biggest bookstore you know and ask to see the poetry section. After you dust the books off, count them. There won't be many and most of them will be from established and old poets.

Now go to the New Fiction section and see how many books are there. About 50 times as many as poetry. Because they SELL.

Stores cost money to rent. A bookstore has to ration its selling space accordingly to what they can sell to meet their overhead. They simply cannot devote a lot of square footage to books they aren't going to sell rapidly.

A high body count Dean Koontz thriller sells. Poetry doesn't.

As for selling poems to magazines, let me explain it this way. Recently the Poet Laureate of the United States sold a five line poem to a magazine. He got a check for 25 dollars - 5 dollars per line. If that is all the Poet Laureate can get, how much do you think you could get? The answer is probably nothing. They would be published free. The best you could probably do would be a free copy of the magazine with your poem in it. Not much, is it?

If you want to self publish, you need to understand Uncle Jim's Law "The money should flow TOWARD the author, not away from him." In the case of Lulu and other self publishers, the money flows AWAY from the author and at a rather large clip. It will cost and cost and cost you. You will pay and pay and still your books will not be for sale on shelves in any bookstore in America. Unless you pay for an ISBN number, they won't even be for sale on Amazon. And now, Amazon says they are removing all BUY buttons from books that aren't self published by their subsidiary BookSource. They will only carry your book for sale if you pay them 29.99 annual fee, plus 55 % of your cover price, plus you have to purchase the books yourself from your own self publisher and mail them at your expense to Amazon so they will stock them. That will put most self published books in the red REAL fast. Especially if the average sales for a self published book is 100 copies - or roughly 2/3 of your family and friends. You will lose money big time.

And the question is, without paying for publicity and promotion, how is anybody going to know the book is out there to buy it? Nobody actually surfs Amazon looking for interesting books. You can't. There are millions there.

I know that is not the answer you want to hear, but that is the cold, hard truth. Poetry is not a big seller. No major publishers are reading poetry so no agents are interested. They won't bother with something they can't sell. Sorry, but true, and a visit to your local bookstore will prove it to you. Pax-C

Just to prove it to you - Random House - the largest publisher in America currently has ZERO poetry books in their line. Harper Collins - the #2 publisher has 368. About 85% of those poets are deceased and about 10% are celebrities. Not much chance for a new poet to get published by them.

NO Do NOT go to Poetry.com. It is the biggest scam in the publishing world. EVERY poem is selected a semi finalist and placed in a book called Immortal Verses - as long as you pay the 49.95 for a copy. After that you will be told you are a finalist and invited to attend their convention at YOUR expense. There you will sit around and listen to a lot of really bad poetry and at a cheesy chicken dinner banquet, you will be presented with a 2 dollar trophy making you one of the Poets of the Year. Do NOT give them a penny! Check with the Writers Beware sites before you send anything to anyone. Absolute Write Water Cooler's Bewares and Background Checks is one. Preditors and Editors is another. Both clearly state that Poetry.com is NOT RECOMMENDED. The reason you sometimes see posts like the one below is they send people called "sock puppets" to post at sites like this - saying how great the service is and luring young authors into the scam. DO NOT listen to them. It is a known scam.

Admin

starxcrossedxdreamerxx 16.05.2008. 21:56

Who wouldl i contact if i wanted to get some poetry published? I would like to get the poems that I wrote published. Who would I contact to do so?

starxcrossedxdreamerxx

Admin 16.05.2008. 21:56

I hate to be the one to say this to you, but will find it is next to impossible to publish poetry. The odds of someone making a living as a poet are astronomical - worse than astronomical. Poetry is Just not a big seller anymore. And friends aren't necessarily the best judges of what should and shouldn't be published.

Prove it to yourself. Go to the biggest bookstore you know and ask to see the poetry section. After you dust the books off, count them. There won't be many and most of them will be from established and old poets.

Now go to the New Fiction section and see how many books are there. About 50 times as many as poetry. Because they SELL.

Stores cost money to rent. A bookstore has to ration its selling space accordingly to what they can sell to meet their overhead. They simply cannot devote a lot of square footage to books they aren't going to sell rapidly.

A high body count Dean Koontz thriller sells. Poetry doesn't.

As for selling poems to magazines, let me explain it this way. Recently the Poet Laureate of the United States sold a five line poem to a magazine. He got a check for 25 dollars - 5 dollars per line. If that is all the Poet Laureate can get, how much do you think you could get? The answer is probably nothing. They would be published free. The best you could probably do would be a free copy of the magazine with your poem in it. Not much, is it?

If you want to self publish, you need to understand Uncle Jim's Law "The money should flow TOWARD the author, not away from him." In the case of Lulu and other self publishers, the money flows AWAY from the author and at a rather large clip. It will cost and cost and cost you. You will pay and pay and still your books will not be for sale on shelves in any bookstore in America. Unless you pay for an ISBN number, they won't even be for sale on Amazon. And now, Amazon says they are removing all BUY buttons from books that aren't self published by their subsidiary BookSource. They will only carry your book for sale if you pay them 29.99 annual fee, plus 55 % of your cover price, plus you have to purchase the books yourself from your own self publisher and mail them at your expense to Amazon so they will stock them. That will put most self published books in the red REAL fast. Especially if the average sales for a self published book is 100 copies - or roughly 2/3 of your family and friends. You will lose money big time.

And the question is, without paying for publicity and promotion, how is anybody going to know the book is out there to buy it? Nobody actually surfs Amazon looking for interesting books. You can't. There are millions there.

I know that is not the answer you want to hear, but that is the cold, hard truth. Poetry is not a big seller. No major publishers are reading poetry so no agents are interested. They won't bother with something they can't sell. Sorry, but true, and a visit to your local bookstore will prove it to you. Pax-C

Just to prove it to you - Random House - the largest publisher in America currently has ZERO poetry books in their line. Harper Collins - the #2 publisher has 368. About 85% of those poets are deceased and about 10% are celebrities. Not much chance for a new poet to get published by them.

NO Do NOT go to Poetry.com. It is the biggest scam in the publishing world. EVERY poem is selected a semi finalist and placed in a book called Immortal Verses - as long as you pay the 49.95 for a copy. After that you will be told you are a finalist and invited to attend their convention at YOUR expense. There you will sit around and listen to a lot of really bad poetry and at a cheesy chicken dinner banquet, you will be presented with a 2 dollar trophy making you one of the Poets of the Year. Do NOT give them a penny! Check with the Writers Beware sites before you send anything to anyone. Absolute Write Water Cooler's Bewares and Background Checks is one. Preditors and Editors is another. Both clearly state that Poetry.com is NOT RECOMMENDED. The reason you sometimes see posts like the one below is they send people called "sock puppets" to post at sites like this - saying how great the service is and luring young authors into the scam. DO NOT listen to them. It is a known scam.

Admin

mukesh 07.06.2008. 06:20

how and where should i submit my poems for publishing and sell it? i'm a new writer and totally unaware of it? actually i'm an engg. student and write my experience in form of hindi poems.my poems are totally not based on love and that sort of things but about life and many different aspects of life.so if someone could plz suggest me?

mukesh

Admin 07.06.2008. 06:20

I hate to be the one to say this to you, but will find it is next to impossible to publish poetry. The odds of someone making a living as a poet are astronomical - worse than astronomical. Poetry is Just not a big seller anymore. And friends aren't necessarily the best judges of what should and shouldn't be published.

Prove it to yourself. Go to the biggest bookstore you know and ask to see the poetry section. After you dust the books off, count them. There won't be many and most of them will be from established and old poets.

Now go to the New Fiction section and see how many books are there. About 50 times as many as poetry. Because they SELL.

Stores cost money to rent. A bookstore has to ration its selling space accordingly to what they can sell to meet their overhead. They simply cannot devote a lot of square footage to books they aren't going to sell rapidly.

A high body count Dean Koontz thriller sells. Poetry doesn't.

As for selling poems to magazines, let me explain it this way. Recently the Poet Laureate of the United States sold a five line poem to a magazine. He got a check for 25 dollars - 5 dollars per line. If that is all the Poet Laureate can get, how much do you think you could get? The answer is probably nothing. They would be published free. The best you could probably do would be a free copy of the magazine with your poem in it. Not much, is it?

If you want to self publish, you need to understand Uncle Jim's Law "The money should flow TOWARD the author, not away from him." In the case of Lulu and other self publishers, the money flows AWAY from the author and at a rather large clip. It will cost and cost and cost you. You will pay and pay and still your books will not be for sale on shelves in any bookstore in America. Unless you pay for an ISBN number, they won't even be for sale on Amazon. And now, Amazon says they are removing all BUY buttons from books that aren't self published by their subsidiary BookSource. They will only carry your book for sale if you pay them 29.99 annual fee, plus 55 % of your cover price, plus you have to purchase the books yourself from your own self publisher and mail them at your expense to Amazon so they will stock them. That will put most self published books in the red REAL fast. Especially if the average sales for a self published book is 100 copies - or roughly 2/3 of your family and friends. You will lose money big time.

And the question is, without paying for publicity and promotion, how is anybody going to know the book is out there to buy it? Nobody actually surfs Amazon looking for interesting books. You can't. There are millions there.

I know that is not the answer you want to hear, but that is the cold, hard truth. Poetry is not a big seller. No major publishers are reading poetry so no agents are interested. They won't bother with something they can't sell. Sorry, but true, and a visit to your local bookstore will prove it to you. Pax-C

Just to prove it to you - Random House - the largest publisher in America currently has ZERO poetry books in their line. Harper Collins - the #2 publisher has 368. About 85% of those poets are deceased and about 10% are celebrities. Not much chance for a new poet to get published by them.

NO Do NOT go to Poetry.com. It is the biggest scam in the publishing world. EVERY poem is selected a semi finalist and placed in a book called Immortal Verses - as long as you pay the 49.95 for a copy. After that you will be told you are a finalist and invited to attend their convention at YOUR expense. There you will sit around and listen to a lot of really bad poetry and at a cheesy chicken dinner banquet, you will be presented with a 2 dollar trophy making you one of the Poets of the Year. Do NOT give them a penny! Check with the Writers Beware sites before you send anything to anyone. Absolute Write Water Cooler's Bewares and Background Checks is one. Preditors and Editors is another. Both clearly state that Poetry.com is NOT RECOMMENDED. The reason you sometimes see posts like the one below is they send people called "sock puppets" to post at sites like this - saying how great the service is and luring young authors into the scam. DO NOT listen to them. It is a known scam.

Pax-C

Admin

Justin P 22.03.2007. 16:50

What car make/models should i look at? Looking for a used 5-speed, airbags, fun to drive........? I posted a question yesterday asking for a good reliable project car, but I realize now that I should hold off on the project for a bit and just go with something less troublesome. I have anywhere from 2-8k to spend and I want something reliable with decent gas (maybe around 20 mpg) milage. But I need a five speed, I've wanted one my whole life. And the car needs to be fast. Like, i need to be able to smoke most mustangs, cavaliers, scions, ect ect, and not have to worry if my engine is going to blow up. I'll be driving it everyday to work so it will get alot of use. Any year make model is good as long as it has airabags and decently low insurance.

Justin P

Admin 22.03.2007. 16:50

Justin,
Holy cow. I feel your pain, but we'd all like to win the lottery and marry nice and fun supermodels that can cook as well.
What I mean is: you want low insurance, but speed and power.
You want something that will beat all kinds of cars, but good gas mileage.
You want something fast, that may be driven hard, and it needs to be cheap, but it needs to be reliable.

What I'm saying is, your wants and needs have some direct conflicts. You need to find a balance here, and establish some priorities. It doesn't mean it can't be done, but, if power is an issue, you'll have to sacrifice some reliability. You can't worry about the insurance. Any car beyond a flat-out dog is going to be high if you are a young guy, and it's any kind of sporty. You just need to pick up liability and have a 500 deductable through someplace cheap.

If you are going to be thrashing on it sometimes, you need to make sure it's got good brakes and a strong transmission, and driveline, good halfshafts/axles, no differential issues, and a solid engine.

My suggestion is the same car I have, for the same reasons: A markIII 2nd generation turbo supra. This is the year models BEFORE the twin turbo.

They have the sometimes fatal flaw of poor head gasket design, so if you buy one, ask if it's been changed or blown. If they act ignorant, make sure and check it. Check for coolant in the oil, steam in the exhaust, weird misses, and the smell of coolant where there shouldn't be any.

If it hasn't had a head problem, it will. Just build it into the price, and immediately go get a metal HKS gasket and ARP studs put in, or do it yourself, or find a friend that can.

However, other than that, these cars are sturdy as you get. They sold for about 28k back in the early nineties. You can get them now for the price you are looking at or less. Try to find something with less than 100k miles, and a recent timing belt change. They do have airbags, they have strong drive trains, they have reliable peripheral electronics and other miscellaneous parts (other than the power window switch), and the 7MGTE engine is one of the best ever made in Japan. They are 5 speed. In good shape, and if you find somebody with no desire to live to drive it, they top out at 160 mph. I don't recommend this. For that matter, street racing in general is a path towards trouble that just isn't worth it. (sorry about the little preach embedded in here)

They are somewhat heavy due to stiffness in the lower frame to allow for the targa top, at 3000 lbs, and have 230 stock hp. So, they will beat caveliers, scions, and others, but not a mustang. Not right away at least.

Here's the thing - this car meets your 90% of your basic needs and wants. You even want a project car, but not right now. This one will run and be fine until you decide you want more.

Then, when you decide you want more power, the sky is the limit if you want to do more with it. It will just depend on how much money you want to pump into it. Parts available are: bigger turbos, intakes, intercoolers, fuel pumps and injectors (500cc lexus injectors), boost controllers, springs and struts, clutches, and alot of other stuff.

Other cars that fit your bill, would be porche 928's with the v-8, mustang GT, Talon Tsi (stay away from 89-91 model years, and be very careful if they've been heavilly modded. Ditto w/ the mechanically identical eclipse gsx.). This bunch of cars has the potential for crazy amounts of power, but make sure it's a professional quality job or you are looking for a nightmare.
The porche 944 turbo had some unreliable years, but it's incredible to drive, and you can get them in that price range. Just be choosy.

My realistic suggestion, if money is really tight right now, and it doesn't need to be super fast, but affordable, and reliable, is to go back in year model, and get whatever aged honda accord that you can afford, and keep that sucker locked up if you park it outside.

Good luck w/ your search.

- Kevin

Admin

sofie 04.06.2008. 23:47

I want to publish my poems, any help? Im just a teenager and I dont expect to be the next Edger Allan Poe or whatever but I would like to put some of my poems out there. Any advice on any process or publisher/magazine names would be awesome

sofie

Admin 04.06.2008. 23:47

I hate to be the one to say this to you, but will find it is next to impossible to publish poetry. The odds of someone making a living as a poet are astronomical - worse than astronomical. Poetry is Just not a big seller anymore. And friends aren't necessarily the best judges of what should and shouldn't be published.

Prove it to yourself. Go to the biggest bookstore you know and ask to see the poetry section. After you dust the books off, count them. There won't be many and most of them will be from established and old poets.

Now go to the New Fiction section and see how many books are there. About 50 times as many as poetry. Because they SELL.

Stores cost money to rent. A bookstore has to ration its selling space accordingly to what they can sell to meet their overhead. They simply cannot devote a lot of square footage to books they aren't going to sell rapidly.

A high body count Dean Koontz thriller sells. Poetry doesn't.

As for selling poems to magazines, let me explain it this way. Recently the Poet Laureate of the United States sold a five line poem to a magazine. He got a check for 25 dollars - 5 dollars per line. If that is all the Poet Laureate can get, how much do you think you could get? The answer is probably nothing. They would be published free. The best you could probably do would be a free copy of the magazine with your poem in it. Not much, is it?

If you want to self publish, you need to understand Uncle Jim's Law "The money should flow TOWARD the author, not away from him." In the case of Lulu and other self publishers, the money flows AWAY from the author and at a rather large clip. It will cost and cost and cost you. You will pay and pay and still your books will not be for sale on shelves in any bookstore in America. Unless you pay for an ISBN number, they won't even be for sale on Amazon. And now, Amazon says they are removing all BUY buttons from books that aren't self published by their subsidiary BookSource. They will only carry your book for sale if you pay them 29.99 annual fee, plus 55 % of your cover price, plus you have to purchase the books yourself from your own self publisher and mail them at your expense to Amazon so they will stock them. That will put most self published books in the red REAL fast. Especially if the average sales for a self published book is 100 copies - or roughly 2/3 of your family and friends. You will lose money big time.

And the question is, without paying for publicity and promotion, how is anybody going to know the book is out there to buy it? Nobody actually surfs Amazon looking for interesting books. You can't. There are millions there.

I know that is not the answer you want to hear, but that is the cold, hard truth. Poetry is not a big seller. No major publishers are reading poetry so no agents are interested. They won't bother with something they can't sell. Sorry, but true, and a visit to your local bookstore will prove it to you. Pax-C

Just to prove it to you - Random House - the largest publisher in America currently has ZERO poetry books in their line. Harper Collins - the #2 publisher has 368. About 85% of those poets are deceased and about 10% are celebrities. Not much chance for a new poet to get published by them.

NO Do NOT go to Poetry.com. It is the biggest scam in the publishing world. EVERY poem is selected a semi finalist and placed in a book called Immortal Verses - as long as you pay the 49.95 for a copy. After that you will be told you are a finalist and invited to attend their convention at YOUR expense. There you will sit around and listen to a lot of really bad poetry and at a cheesy chicken dinner banquet, you will be presented with a 2 dollar trophy making you one of the Poets of the Year. Do NOT give them a penny! Check with the Writers Beware sites before you send anything to anyone. Absolute Write Water Cooler's Bewares and Background Checks is one. Preditors and Editors is another. Both clearly state that Poetry.com is NOT RECOMMENDED. The reason you sometimes see posts like the one below is they send people called "sock puppets" to post at sites like this - saying how great the service is and luring young authors into the scam. DO NOT listen to them. It is a known scam.

Pax-C

Admin

marshmallow90 02.05.2012. 03:14

What are the Tips for Bank Clerk Interview ? Array

marshmallow90

Admin 02.05.2012. 03:14

Banking interviews are meant to gauge the potential of the candidate to see if he/she has the skills to be placed in any suitable post in the bank. Banking interview questions are meant to measure the attitude, skill and adjustability of the candidate, to draw a conclusion on his/her suitability in the firm.

Commonly asked banking interview questions include:

General Questions

Why did you choose banking as your profession?
Do you have any previous experience?
Why you left your previous job?
Why do you want to work for us?
How long will you stay with us?
Where you see yourself in another five years?

Finance related banking interview questions

If you could buy one stock today, what would it be and why?
Can you explain the effect of rising interest rates on the United States economy?
What are the main issues ABC Company has to face before entering a given industry (Porter framework)?
Explain the techniques you use to value firms?
What do you mean by cost of capital?
When do you use a WACC versus a cost of equity?

Behavioral Questions

Do you think you have leadership quality? Can you explain when did you show leadership?
Have you think you can perform well in a group?
What is your most noted accomplishment?
What are your positive traits or strengths?
What are your negative traits or weaknesses?
What you can do for the company others people can't?
Explain an example when you had a personal conflict and how you resolved it?
Tell a time when you had an ethical dilemma and how you resolved it.
What type of person do you find difficult to get along with?

The above mentioned are some of the common questions that are used by most of the banking interviewers.

Admin

Yogesh 22.02.2012. 16:33

what are the questions are asked in Banking interveiw? Array

Yogesh

Admin 22.02.2012. 16:33

I recommend you also join a free website called glassdoor.com and enter the Bank name you intend to interview with or are interested in working at and then select interviews. The people who interviewed for the particular Bank share their experience, position applied, interview questions, location, and whether they were hired or not. If you do go on a interview at a Bank please share your experience on this website which has helped many people be better prepared. Below are general questions but since you did not state what position i.e. teller, investment manager, administrative assistant etc check the website for more targeted questions. Good Luck!!

Banking interviews are meant to gauge the potential of the candidate to see if he/she has the skills to be placed in any suitable post in the bank. Banking interview questions are meant to measure the attitude, skill and adjustability of the candidate, to draw a conclusion on his/her suitability in the firm. The interviewers will ask as many questions they think is necessary before recruiting any candidate as they are concerned with the fact that the quality and skills of the employees will determines the future of the company.

To become successful in the banking interview process, you need to be well prepared to face the different sets of banking interview questions. Banking interview questions also starts with some general questions about the candidate such as his/her family background, education, and interests. The second and third set of banking interview questions will be meant to know the candidate's work experience, nature, capacity, ideology, and ability to solve problems. Answering to the fist set of banking interview questions related to your family, qualification, or future planning will be quite easy.

Let us discuss some of the common but very effective banking interview questions.

The interviewer may typically begin with 'tell me about yourself". It is a common opener which is meant to set the ball rolling for the next few minutes ahead. Even though this is the common question which will be asked in most of the interviews you can score brownie points by answering the question a bit differently, but at the same time not deviating much from the context.

Other commonly asked banking interview questions include:

General Questions
Why did you choose banking as your profession?
Do you have any previous experience?
Why you left your previous job?
Why do you want to work for us?
How long will you stay with us?
Where you see yourself in another five years?

Finance related banking interview questions
If you could buy one stock today, what would it be and why?
Can you explain the effect of rising interest rates on the United States economy?
What are the main issues ABC Company has to face before entering a given industry (Porter framework)?
Explain the techniques you use to value firms?
What do you mean by cost of capital?
When do you use a WACC versus a cost of equity?

Behavioral Questions
Do you think you have leadership quality? Can you explain when did you show leadership?
Have you think you can perform well in a group?
What is your most noted accomplishment?
What are your positive traits or strengths?
What are your negative traits or weaknesses?
What you can do for the company others people can't?
Explain an example when you had a personal conflict and how you resolved it?
Tell a time when you had an ethical dilemma and how you resolved it.
What type of person do you find difficult to get along with?

The above mentioned are some of the common questions that are used by most of the banking interviewers. Remember that for a banking job interviewer, there cannot be a dearth for questions. So be well prepared before attending the interview and answer all questions in a positive way. Remember if you have the material they are looking for, you'll get it.

Admin

Annika 10.03.2013. 15:38

Please help me find some Sperry topsiders that are cheap. I will show what specific kind I want below. Thanks? So I really want some Sperry Top Sider Bahama 2 Eye Womens Size 5 White Moc Textile Boat Shoes that are cheap so can somebody please give a couple of sites of where I can find some cheap ones??!!

Annika

Admin 10.03.2013. 15:38

Since you wear a women's five, you may be able to get the kid's version instead. They are cheaper. A kids's 3 is equivalent to a women's 5 (check size charts for confirmation) I know there aren't that many choices in the kid's section, but it you want t save money, that's the way to go. I actually wear a women's 6 and I was able to get into a 4 or a 4.5.

I couldn't find the exact pair on the sperry website, I am assuming that they are either discontinued or out of stock (or new season) If that is the case, try outlet shoe retailers. If you have one near you, try NORDSTROM RACK. Norstrom rack is like the outlet of nordstroms. It's kind of like a high end version of Marshall's or TJ MAXX.That store is amazing and they usually have racks and racks of shoes. Occasionally, you might get lucky and spot a pair of sperrys. keep in mind the selection of styles, colors, and sizes may be harder to find. They are usually around $40 at most. I usually only see colored ones, special editions, or discontinued ones. (white, red blue, lepord) If you are ever looking for the classic linen/oat ones, nordstrom rack may not be he place to find them.
Another tip for finding sperrys is look, search, compare. Don't forget to always check the clearence racks, kids rack, ect. Look around at different stores, compare prices, and keep on checking for sales at stores. Styles, colors, and seasons are changing constatly. Therefor, collections will go on sale to make room for new styles/colors.
Lastly, if you are completely desperate and you can't find them, just take the plunge for them, even if they are full price. If your feet have completely stopped growing, they are completely worst it. Sperrys last a very long time. (what I mean by that is if your feet are still growing, I don't recommend doing so as they will quickly being grown out of.....I am frugal teenager and only buy high end things unless they or on sale....or if I really need /want the product...i usually don't splurge that often)
Anyways, Sperrys are totally worth the price and last a long time. They mean seem expensive, but a better way to think about it is "cost per wear"
Cheap knock-offs: $25 (estimate)
Sperry's: $80 (estimate, average)
Ask these questions to you self.....
How many times will I be able to wear the cheap ones before my feet blister, they break apart, and will no longer be wearable?
How many times will I be able to wear my new sperrys?
Divide...do the math.... which one will have the better value?...the nicer, higher quality item (sperrys) usually wins! Cheap ones may sound appealing the the pocket at first, but you will regret the purchase when you find yourself throwing away a pair of knock offs because they are way too uncomfortable or poor quality (2 or 3 pairs of cheap ones that will last a year at most total equal one pair of sperrys that will last years)

Long story short,
-try kids sperrys
-look at different stores
-shop....search the clearence racks...wait for good sales
-or just take the plunge if you really want them....splurge a little and jut think about how much wear you will get out of the shoes....

Websites
...I have never tried this website, but their prices seem to be pretty good. If I were you, I would do some research on the website and go to any store to try on for sizing purposes. http://www.6pm.com/sperry-top-sider-women-boat-shoes~1

....norstrom rack....they don't have an online store being it's an outlet, but you can look for a store near you to find some good deals on sperrys possibly (don't get it confused with nordstroms...the full price place)
http://shop.nordstrom.com/c/locations-rack

...DSW...good deals, i would suggest, if possible, to go and check the store for the store sales and clearence items. Occasionally, a needle is found in a haystack
http://www.dsw.com/

...try zappos...
zappos.com

try famous footwear...if I am correct, occaionally they will have good sales or a buy 1 get 1 half off BOGO
http://www.famousfootwear.com/en-US/_/_/Sperry+Top-Sider/_/_/Products.aspx?campaign=O2S+Seattle+DMA&CMP=KNC-Adwords&cpc=Adwords&cpckw=sperry+topsiders&ef_id=TM0bYAqoEGQAAAPWosYAADxY%3a20110512230032%3as&group=Sperry&partnerid=Adwords1

Have fun shoe shopping! I hoped i helped with all of the tips! -If I were you...spend now, and enjoy for a very long time!
Disclaimer: However if you can't afford sperrys, there are many other options out there. Even though there are many junky types, do your research and look for decent quality knock offs)

(sorry for the length)

Admin

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