Investing and Financing

Most of the businesses these days borrow money either in short terms or long terms basis. The majority of cash flow statements illustrate the increase and decrease of the earnings of the short term debt only. It does not report the total amount that either either borrowed or paid. On the other hand, when illustrating a long term debt, the total amount and the reimbursements of the long term debt must be indicated in the cash flow statement on a yearly basis. The figures on these cash flow statements are illustrated on gross not net figures.

Similar to businessmen, most of today's businesses must find a way to finance its acquisitions when the business' internal flow of cash is insufficient or is insufficient to provide financial support in order to for the business to grow. When we say financing, it usually means the funding of a business capital from debt and equity sources. And by borrowing money from financial institutions or banks, in order to loan money to the business, or by providing extra funds in the business. The tenure also includes the other side of the coin, meaning doing payments on the balance due and returning the principal to the owners. It also includes the monetary contributions by the company from the income to its owners.

In addition to that, another section of the statement of the monetary flow illustrates the ventures that the business has admitted during the annual report. New and additional ventures signify the growth of the production and distribution capacity of the business, as well as its improvements and improvements. Organizing long term assets or removing a key component of the business can create good or bad effects, depending on what is influencing the said actions.

Some companies will dispose some of its predetermined assets on a yearly basis upon reaching the limit of their usefulness because they will become more of a liability than an asset. These predetermined assets are either disposed or put on the market, or in most cases, traded for new predetermined assets. The assessment of the fixed assets or predetermined assets that is at the end of its usefulness is called the fixed assets' "salvage value". The profits of the fixed assets are accounted as a source of money in the "investing activities" segment of the statement of the business' monetary flow. The proceeds of these fixed assets are generally diminutive in quantity.

Computer Maintenance – Computer Repair in Hawaii

Computer Repair Hawaii

Computer Repair Services in Hawaii is not so much different than the mainland, especially on the island of Oahu, but there are a few challenges. Having lived on Oahu over 45 years ago in Ewa Beach, and returning just over 7 years ago, the scene has changed drastically. Things were more rural back then, and of course there was no internet.

In Oahu, people seem to work on one side of the island and work on the other. Since there are only 1 or 2 ways to get around, traffic can be extremely congested, and parking can be a challenge. So while you are looking for a Computer Repair Shop to drop off your computer, or waiting for a Mobile Technician to drive out to you, timing can be a challenge. For some reason, even in Paradise, things can get pretty busy. With that said, I just wanted to put out my two-cents that affect both the customer and the service provider about computer repair in Oahu.

Traffic Challenges

If you live in Waianae, Waialua, Haliewa, or the North Shore, Windward and around Waimanalo, you will have to rely on Mobile Technicians willing to come out to your location, or to drive the distance yourself. The problem with dropping off a sick computer yourself is that most shops open about 9-10am and close at 6pm. You either have to take time off from work, hope traffic is light after getting off work, or just wait until a day off.

For some reason, there are no shops I am aware of in Waianae, Haliewa and all through the North Shore. Shops on the Windward side are scarce as well, but I vaguely hear that there may be a shop out in Kaneohe, but they must not do much advertising. If you have a Macintosh, there is definitely a shop in Kailua, just be aware that not all shops repair both PCs and Macs, and while do mobile technicians.

My Rant About Windward Computer Repair

Concern computer repair for our valued Windward customers, I have to rant a little bit. Windward customers in Kaneohe and Kailua are fiercely loyal to their local businesses, which is a good thing. But when it comes to computer repair and they are looking for a mobile technician, they always want someone who looks closer to where they are, which at first, looks to make sense.

If they call you and you actually have a physical location and provide both in-shop and mobile services, they get hung-up on your shop's physical location even though they are calling for mobile service. The truth is, that they have no idea where the technician is coming from. The technician might already be scheduled to be out in that area for another customer and can easily set an appointment for you as well. They are not just just sitting around at home all day waiting for you to call, so you just can not accumulate where they will be dispatched from. That may sound harsh, but it always surprises me when we spend some valuable time over the phone with a prospective customer, trying to understand their computer problems and comfort them with our solution to their problem, and as soon as we mention that our shop is over the hill on the other side of H3, they start backing out of the conversation almost as if they thought they were doing "us" a favor and say thanks but no-thanks, we'll just call someone a little closer. I do not get it, and even when I can truthfully say that I have a tech in the area already, they do not care. I know other shop owners who get this same response about mobile repair on the Windward side. The fact is that we are happy to serve customers on the Windward side, and we appreciate their loyalty once they finally hire us to repair their computer. But it is a hurdle starting that relationship. I might add that it is a beautiful drive to the Windward side, especially if you get to drive back through the Northshore if you have the time. I always look forward to a good Shrimp Plate lunch from one of my favorite shrimp trucks along the way.

Parking for Mobile Computer Repair Technicians

If your business or home is located in a reliably populated area away from the areas I just mentioned, you'll have plenty of options for both in-shop and onsite computer repair in Oahu. But if you need service in the congested business areas of downtown or Waikiki, parking is a problem. My suggestion is that if you want prompt service, that you provide information to the technician about the most convenient place to park as well as any parking fees (which may be added to your bill). You might even be able to pre-arrange parking in a reserved area for vendors. And lastly, it even helps to know details such as any vehicle height restrictions for parking garages, or detours due to emergency or special events.

Giving Directions

When setting an appointment for mobile service, it is vital that you provide an accurate address and phone number. Many local Hawaii residents prefer to give directions and landmarks than actual addresses, but Mobile Technicians end up learning the island very well and even use GPS devices these days. Some even print out directions with Yahoo or Google before coming out. We would prefer that you just give us your complete address and then maybe a landmark if you live in an obscure hard to find location. We need the address for our invoice anyway. We appreciate the directions, but customers somehow assume we will be driving to their location the same way they do everyday, but the fact is that we might be coming from the other way, and then left become right, and right becomes left and it gets confusing while driving.

Be Sure to Give and Get Correct Phone Numbers

As for your phone number, things happen and we may need to call you. We also like to call before we come out to ensure you'll be home. Fortunately, we are not like the cable companies that tell you they will arrive between 9-5. Mobile Technicians can usually provide you with a 30-60 minute window. But if you have something come up, we would appreciate if you could call us as soon as possible to postpone.

Also, be sure that you know which Computer Repair company you made the appointment with and have their correct number. Many customers call quite a few shops before they choose who they will make their appointment with and get phone numbers mixed up. Some even call us more than once because we have more than one phone number. It gets quite funny hearing the same person calling again, now using a better description of their problem because of talking to us earlier. The problem is that it might get confusing to remember who you chose in the end. Now and then I'll get a person calling us by mistake to cancel an appointment that we never made. Imagine the frustration of the technician when he drave out to your home or business just to find out that you said you called and canceled already, why are you here?

In-Shop vs Onsite Computer Maintenance

This basically boils down to price, turn-around time and convenience. In-shop repair fees are usually flat rate fee based, and takes days to get back, but you will get more thorough service this way. Shops are also more prepared for the extremely difficult problems. With shops, you can just walk-in during normal business hours, although you should call first to get guidance on what to bring. For laptops, you should always bring the AC Adapter (battery charger). For desks, we usually only need the computer itself (no cables or peripherals, although it would not hurt if you bought your CDs).

Onsite service is usually hourly fee based, and may even have a trip charge. Onsite service by nature is by appointment only, but many problems can be diagnosed and repaired within an hour or two. With onsite service, it is critical that you describe your computer problem as well as possible, because if it sounds obvious that it might be a hardware problem, your computer may be a better candidate for in-shop repair. It's already difficult enough to get certain types of parts on island such as motherboards and CPUs at a Computer Store, so you can expect that a Mobile Technician will not have every part needed to fix every computer in their vehicle. Some parts even have to be ordered online and can take a week or so to arrive. Hopefully you can see the complications this may cause with setting another appointment as well as how the technician will bill you for the first and second appointments. It would just be better to bring these problem computers to a shop.

Major Limitations for Mobile Only Technicians

I certainly do not want to knock mobile only technicians, because I got my start that way. But you have to know that these ones can only serve a small finite number of customers in any given day. Many people get attached to their computer guy once trust is established, but it can get frustrating when your trusty Mobile PC Tech can not make it out fast enough. They might even need to take a vacation and when you get a hold of them on their cell phone, you find out they are on the mainland for a week or two. If you can not wait, you have to find someone else.

Mobile repair is limited as well for reasons spelled out in the "In-Shop vs Onsite Computer Maintenance" section above. There are also certain types of maintenance that will never get done onsite due to how long it will take. If I think I have to perform a surface scan on a hard drive just for starters (which can take 2 hours or more in some cases), I almost immediately recommend I take the computer back to the shop to complete at the flat rate. Some computers develop multiple problems and can take 4-5 hours to repair. For one, it will save you on further hourly charges, but it will also help the technician to be on time for other appointments after you, since he probably only allotted 2 hours for your appointment. The complicated part is that a mobile technician may not have a shop to take your computer to, and may only be able to take it to their home. If you are okay with that, then fine, no problem.

I would add that a technician that has both in-shop and onsite experience are the best technicians. For mobile only technicians, it can be hard to get this experience because they will rarely get a customer that is willing to pay a technician to spend 4-5 hours onsite, not to mention having to dedicate their own personal time as well to be there . But if the technician does not ever get the chance to spend time on the real hard problems, it is unlikely that they will ever progress to become a master technician. If you were choosing a doctor for a complicated surgery, how concerned would you be about his or her experience? The answer is obvious.

Anyways, while our computers and online lives might not be life and death situations, we seem dependent on them suddenless. So I hope this insight into both sides of Computer Maintenance and Repair in Hawaii help you make the right decisions when that inevitable computer problem occurs. That way, you can be armed with the insight to make the best choice available for your computer needs.

All You Need To Know About FOB

FOB is an important term related to the shipping of goods. It stands for “freight on board” or “free on board” indicating the designation when the ownership or liability of goods gets transferred from the seller to the buyer. The term FOB is often confusing for many in the shipping industry. However, it is crucial that both sellers and buyers must understand the proper FOB definition and scope so that they do not end up in losing dollars. This term determines the responsibility of the party for bearing the charges of freight and also decides the point of time when the shipment is passed over from the sellers to the buyers.

For instance, in case of international shipping, FOB indicates that the consignor is going to bear the loading cost and the transportation cost for sending the goods to the port. The consignee bears expenses related to insurance, ocean freight, unloading and the transportation cost of the goods from the port to the actual destination. The seller in this situation passes over the risk of the goods to the buyer when there is the loading of goods at the port for shipment.

Difference Between Origin And Destination:

FOB origin indicates that the ownership of the goods is transferred as soon as in gets out of the hands of the seller. If shipping of the goods is required then it is the buyer’s responsibility and he or she has to bear the expenses. This type of transaction is often referred to the city name like FOB Boston, FOB San Francisco, etc.

FOB destination, on the other hand, indicates that ownership of goods is transferred to the buyer when the original products reach the doorstep of the buyer. Here, the seller has to arrange for the transportation of the goods for which either he pays or charges the buyer for the expenses. The seller also has to be liable in case the goods suffer any damage while en route.

FOB comes more into the picture when there are wholesale or B2B shipments of large goods.

Use Of FOB In The Shipping Documents:

There are four ways in which the FOB term is included in the documents for shipping:

  • FOB (place of origin)- Freight Collect
  • FOB (place of origin)- Freight Prepaid
  • FOB (place of destination)- Freight Collect
  • FOB (place of destination)- Freight Prepaid

It is important that the shippers understand the FOB designations well especially in case of damages to the goods. Some of the receiving docks totally deny the delivery of the damaged goods without accepting the damage notation. However, when a shipment is designated properly, it is clear that the damage risk has to be borne by the seller or the buyer. In such cases, there is no question of confusion. Moreover, the Incoterm 2010 has also amended the definition of FOB which has made the sale contracts simpler and understandable by all.

Why Does FOB Matter?

The term is particularly important for those companies who are engaged in shipping huge quantities of goods. A clear concept of the FOB term helps in understanding the liability of the party regarding the safety in the delivery of the shipment. It also helps the buyer and the seller in knowing which party owns the materials at a particular point of the shipping cycle. This information is also helpful for the accountants who can maintain instant records of the transactions on the basis of FOB. Moreover, the term is also useful in proper logistics management.

Sales Tax And FOB:

If you are falling in the nexus of any state which charges selling taxes on shipment, then FOB can be your friend. For the packages which have FOB origin marked on them, the buyer pays the freight charges directly by contracting with a shipper. Thus, the seller has no role here. The buyer does not have to bear sales taxes as he has already paid the freight charges which most of the states consider exempted.

When people find the term quite complex to understand and interpret, they often take the help of professionals who are expert in the field. This ensures that you comply with the terms without any faults and the shipments get managed quite fast. FOB incoterms is another interesting aspect which the shipping industry must pay attention to and know about in details.

Attractive Guess Handbags – New Collection

Every women in this world wants to look pretty, stylish, elegant and fashionable. To complete their entire look, women spend hours and hours shopping for their dresses, shoes and other accessories. If we are talking about fashion and style, we cannot forget to mention how important handbags are. A handbag is not only a fashion accessory, it is indeed a necessity.

Guess is a well known and a famous brand. Like other big brands, Guess is not very expensive and many women can afford to buy an original guess handbag as well as a replica. If you go through the wardrobe of a fashion conscious woman, you will definitely find a huge variety of Guess handbags. This brand is not only famous for handbags but for other accessories as well.

Guess has an amazing collection of handbags and most of the people who love to carry branded handbags do not have to compromise on replicas because Guess is easily affordable. You can find perfect quality, design, and material in Guess handbags. Guess has made it easy for people to buy perfect designer handbags without having to worry about the cost.

Guess has the most attractive and hot collection of handbags. They have a huge range of handbags, purses and bags. It is impossible to find so much variety at reasonable prices. The new collection of Guess handbags is welcomed by people who are aware of fashion and can acknowledge good and stylish stuff. The latest collection of Guess handbags is a mixture of contemporary and luxury designs. The collection also consists of bags with bohemian and traditional looks.

The new collection of Guess handbags has made the leather handbags popular once again. You can find a huge variety of leather purses, bags and handbags. Guess handbags are one of the most popular handbags and women look forward to their new collection every year. Satchels offered by Guess are among the most popular handbags and they are available in different styles, colors and textures.

If you are more of a casual person, the new collection offers Hobo bag from Guess. This bag has been specially designed for casual people and casual functions. If you are going to a formal event, you can find a huge collection of formal handbags as well. Another famous bag from Guess is Gelato handbags, which are very popular among students. Women love it because it has a perfect pink colour to offer.

If you are a huge Guess handbags fan, you can obviously differentiate between the original and a fake one. If you do not want to be deceived, make sure before buying that you are purchasing an original Guess. The best way to confirm is through the Guess website. Their official website displays the whole new range of handbags and if a design it is not available on the website, it is not an original Guess handbag.

Guess handbags have everything to offer to fashion conscious people. The new collection is outstanding as it has a lot of new designs, textures, and colors. The handbags are durable and stylish and the best thing is that they are not very expensive, which means anyone who is fashion conscious can buy a branded handbag.