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© Andrew Harrer/Bloomberg/Getty Images     December is here, and you know what that means. No, not just winter and shopping and “Star Wars” and Santa Claus. This year, December likely also means a long-awaited interest rate hike. It is widely expected that the Federal Reserve will raise rates at its policy meeting later this month, from a range of 0-to-0.25 percent to 0.25-to-0.50 percent. This, despite the small absolute change, is actually a pretty big deal. It would end the long experiment with rock bottom interest rates that started in 2008. And it would represent the first monetary policy tightening in nearly 10 years. Millions of Americans will be affected. Car loans will get more expensive. Mortgage rates will rise. Floating rates on credit cards and home equity loans will rise. Related: 10 Ways the Fed’s Looming Rate Hike Touches You But how, exactly, will Fed Chair Janet Yellen and her   cohorts actually increase the cost of credit? The simple ...

Tuesday, September 08, 2015     Category :  Inco Terms   What is FOB in Inco terms of delilvery? In this article, I am going to explain about the term of delivery - FOB used in international business. FOB means Freight  On Board  or Free On Board. If terms of delivery of a transaction is on FOB means, the cost of movement of goods on board of Airlines or on board of ship is borne by the seller. Rest of all expenses to arrive the goods at buyer's premise has to be met by the buyer. I will explain FOB terms of delivery with a simple example. You are a Machinary seller situated near Mumbai, India. The buyer is situated in a place near New York. You are the seller of goods and you have contracted with the buyer and agreed to sell the goods on FOB, Mumbai price of USD 5300. Here the selling cost of goods is USD 5300 FOB Mumbai. So the seller meets all the expenses to carry the goods to Mumbai port and meet all expenses including custom...

1. When you call us to have your computer moved, be sure to leave it buried under half a ton of postcards, baby pictures, stuffed animals, dried flowers, bowling trophies and children’s art. We don’t have a life, and we find it deeply moving to catch a fleeting glimpse of yours. 2. Don’t write anything down. Ever. We can play back the error messages from here. 3. When an I.T. person says he’s coming right over, go for coffee. That way you won’t be there when we need your password. It’s nothing for us to remember 300 screen saver passwords. 4. When you call the help desk, state what you want, not what’s keeping you from getting it. We don’t need to know that you can’t get into your mail because your computer won’t power on at all. 6. When I.T. support sends you an E-Mail with high importance, delete it at once. We’re just testing. 7. When an I.T. person is eating lunch at his desk, walk right in and spill your guts right out. We exist only to serve. 8. Send urgent email a...

1. When you call us to have your computer moved, be sure to leave it buried under half a ton of postcards, baby pictures, stuffed animals, dried flowers, bowling trophies and children’s art. We don’t have a life, and we find it deeply moving to catch a fleeting glimpse of yours. 2. Don’t write anything down. Ever. We can play back the error messages from here. 3. When an I.T. person says he’s coming right over, go for coffee. That way you won’t be there when we need your password. It’s nothing for us to remember 300 screen saver passwords. 4. When you call the help desk, state what you want, not what’s keeping you from getting it. We don’t need to know that you can’t get into your mail because your computer won’t power on at all. 6. When I.T. support sends you an E-Mail with high importance, delete it at once. We’re just testing. 7. When an I.T. person is eating lunch at his desk, walk right in and spill your guts right out. We exist only to serve. 8. Send urgent email a...