2:16 AM
Istihara
12:53 PM
Istihara
Statistical analysis is normally referred to as a collection of methods that are used in processing large amount of information or data and also report the overall trends. Therefore, it is mainly useful when dealing with specific data. It provides different ways of reporting on how unusual event is actually based on certain historical data. For instance, our server normally uses different statistical analysis in order to examine tremendous amount of data that is produced everyday by stock market. Therefore, people prefer statistical analysis to other traditional forms of the technical analysis.
There are two different types of statistical analysis this include: descriptive and inferential statistics. Therefore, the major goal of this paper is to differentiate between two main types. To start with, descriptive statistics usually corresponds to the act of defining different characteristics of a given statistical measurement. Hence, it is based upon the methods and mechanisms that are employed to summarize and organize any raw data. So as to categorize that data from the random sample collected, many statisticians uses charts, tables, graphs and standard measurements like measurements of variation, average and percentiles.
There are many ways in which this type of statistic has been used for instance, in baseball. Statisticians spend a lot of effort and also time examining and summarizing data they usually get from the game. For instance in 1948, over six hundred games were played in the league of America. Therefore, so as to determine which team that had best batting average, a lot of effort was required. This is because they were required to take official scores for every game, make a list of each batter, then compute all the results of each, add total number of the hits made and also total number of different times at bat so as to calculate with the batting average. This proved to be a lot of work and more complicated.
Nevertheless, due to technology this has changed a lot. This is because the use of various computer statistical programs together with capability of incorporating statistical functions on the spreadsheet programs like excel shows that more detailed and complicated information can actually be collected, formatted and also presented with just a couple of key strokes. As result all these has made many statisticians to handle a lot of data and explore it in a systematic way with a short duration.
The second type is inferential statistics. It is mostly based upon measuring and choosing trustworthiness of the conclusion about certain population parameter that is based on information from random sample which is the reduced portion of the same population. One good example where inferential statistic applied is the political predictions. For instance, you find that in order to predict who will actually be the winner in an election like presidential election, sample of few thousand who are carefully chosen are asked whom they are going to vote.
Therefore, from the answers they end up giving, statisticians are able to infer or predict who will be voted in. Without doubt, the primary elements in this type are choosing general population that will be polled and the questions that they will be asked. Hence, inferential statistics highly relies on the results. Therefore it is easier to predict who will win the election. On the other hand, the sampling may sometimes give rise to inferences that are incorrect. Therefore many statisticians have tried to look for other ways of collecting data.
In conclusion, these two types are quite important in data collection. However, many people prefer using descriptive to inferential statistics this is because its results are more accurate.
12:47 PM
Istihara
For many individuals making the decision to file for bankruptcy is the most difficult step they will have to make in the process. Once they have finally arrived at the decision to file bankruptcy, they will have to examine their bankruptcy options. Not everybody will qualify for a Chapter 7 bankruptcy; those that don't can usually file a Chapter 13 bankruptcy instead.
Which bankruptcy is Chapter 7? Chapter 7 is the liquidation bankruptcy. If you have an excess of assets you may need to liquidate those assets in order to pay off your debts. The remaining debts will be discharged through the bankruptcy.
If this idea worries you - you don't need to be overly concerned. There are a number of exemptions for personal property that might protect your assets from liquidation. In fact, a large percentage of Chapter 7 filings are either covered under the exemptions or, the filers don't have any assets to turn over.
Chapter 7 is ideal for people who either don't have a regular job or don't have a steady source of income. Anyone who files for bankruptcy will have to submit to a bankruptcy means test. The means test compares your income for a household of your size to the median income of your state. If your income is below that figure - you automatically qualify for a Chapter 7. If your income is too high - your bankruptcy attorney will apply a standard formula that calculates allowable exemptions. If you still don't qualify for a Chapter 7, you will be diverted to filing a Chapter 13 bankruptcy instead.
Chapter 13 bankruptcy is a debt reorganization bankruptcy. With a Chapter 13 bankruptcy you pay off either all or a portion of your debts over a period of time. These payments are made over a period of three to five years at an amount you can comfortably afford.
You're probably curious as to what kinds of debts can be included in a Chapter 7 bankruptcy. First off, the debts that cannot be included in bankruptcy include child support, spousal support, student loans, court-ordered fines (e.g. traffic tickets), certain taxes (less than three years old) and victim restitution.
What can be included in Chapter 7 is unsecured debt such as: credit card debt, medical bills, utility bills, personal loans, and certain taxes (more than three years old). This can be extremely good news if you owe thousands of dollars in medical bills or credit card debt.
Chapter 7 bankruptcy is the simplest and quickest form of bankruptcy available. It can usually be completed within three to five months. In fact, many people think it's too good to be true - but it is not! It's real and it can offer much needed relief to individuals and families who are suffering from out of control debt. If you are contemplating bankruptcy - the best thing for you to do is contact a qualified bankruptcy attorney in your area.
Your lawyer will be able to sit down with you and listen to your situation. It should only take them a few short minutes to tell you what your best plan of action should be. They will be able to present your bankruptcy options or alternatives in a manner which you can easily understand. Calling an experienced bankruptcy lawyer will be the first step in reclaiming control over your finances!
Patriot Bankruptcy is a full-service bankruptcy law firm located in Boston, Massachusetts. They have spent years helping individuals and businesses afflicted with financial troubles. They will meet you with an open ear and will patiently listen to what you have to say. They will then employ their knowledge and experience when developing an effective solution to your problem. They take pride in helping people make the right choices when it comes to bankruptcy or its alternatives. Your initial consultation is free, and you will have a lot to gain from their priceless insight. Start taking action now to improve your situation - contact a Boston bankruptcy lawyer from their firm at (888) 453-FILE!
For additional information please visit the firm's website at http://www.bankruptcylawfirmboston.com/.
12:34 PM
Istihara
One of the most common struggles of new businessmen is to identify which type of bank account would work best for them - current or savings. This is the very same dilemma I faced when I barged into the world of business. I understand the difficulty of deciding over these matters so as my way of helping young businessmen I put together what I have personally learned to help those who are making this important decision. So how are current accounts different from savings accounts?
A current account may be termed as checking account. It is meant to help businessmen, enterprises, firm, companies - those that have numerous transactions with the bank everyday. Current accounts do not earn high interest compared with savings accounts because they generally cater to the principal's need of convenience.
Generally, a current account holder is issued a checkbook so he can make withdrawals through the issuance of check. But these have evolved so that, now, they can also accommodate deposits (including paychecks); allow withdrawals either directly at the bank or through bank-issued debit cards; and allow transfer of funds to the holder's other accounts. Basically, current account holders can add and deduct money whenever they please without any hassle at all.
On the other hand, saving accounts are opened primarily for the purpose of "saving" money. Generally, people open this type of account to save some amount to defray unplanned and emergency financial requirements. Thus, it functions like a safety deposit box where the holder keeps his excess cash. Depending on the bank, charges may be imposed for withdrawals made to the account, but they are normally minimal in amount.
On another note, most banks require both types of accounts to maintain an average daily balance or ADB. But current accounts usually require higher maintaining balance compared with savings account to cover possible debits for issued checks. On both types of accounts, the bank will charge a certain amount whenever the cash balance falls below the required ADB. Both current and savings accounts also earn interests. Banks pay the holders interest for the money stored in the account.
In most cases, savings account holders are issued with savings passbook. The passbook documents the credits and debits to the account; i.e., deposits and interests earned, and withdrawals and taxes paid.
These are the basic differences (and similarities) between savings accounts and current accounts. The decision on whether to open a current or a savings account lies purely on the needs of the holder - whichever product serves his interest best.
Jason O. Joaquin is an accountant and freelance business consultant. Currently, he is employed as Internal Audit Manager in a group of companies in southern Philippines.
10:01 PM
Istihara
The life of a professional is muddled with boring paperwork. Often they find themselves filling out forms instead of working on more principal tasks. This is especially the case with traveling professionals - receipts and expense reporting paperwork stack up in their briefcases and brains, distracting them from the tasks at hand. Unfortunately, expense reporting is the norm for any business. The headaches and frustration of expense reporting are no longer part of that, thanks to the arrival of expense related smart phone applications. One phone takes the place of stacks of paperwork, broken pencils, and tedium.
One such expense tracking application that I reviewed is ProOnGo Expense. ProOnGo, a relatively new expense tracking app, allows your employees to get the boring business of paperwork out of the way quickly and with no effort. All you need is a smart phone. The app is available for iPhone, Blackberry, Android, and Windows Mobile, so ProOnGo is available for everyone, no matter what their platform. Start with a cost-free trial, then choose between four assorted pricing plans. These make ProOnGo convenient and affordable for large businesses, smaller businesses, and individuals too. After all, everyone could use a convenient fix for expense reporting.
Here's how it works: Take a picture of a receipt, and ProOnGo does the rest. The amount, place, and date are entered for you. Then, send off your expense to your manager for approval. The manager can then approve, deny, or add comments. It's as simple as that. This process is basically true of all the expense reporting apps I looked at.
ProOnGo is not just straight expense reporting. There are more features as well. A cool time-tracking feature keeps track of the time you spend with clients. And the time you spend with clients is the time you can bill to clients. Also, ProOnGo has a mileage recording feature. You can either manually enter in the miles you've traversed or you can record it from the GPS on your phone. Trying to recall miles, gas prices, and the like no longer drives you bonkers.
ProOnGo syncs up with Quickbooks through the Intuit App Center. You can directly upload your records to your Quickbooks Online or Quickbooks for Windows program. You can also upload them to an Excel spreadsheet. From your smart phone to your computer, now your reports are organized and at your fingertips.
Easy to understand, straightforward, and quick, ProOnGo proves itself to be the top-notch app for expense tracking and reporting. I would recommend this application to any professional who deals with expenses reporting and management and enjoys convenience.
9:51 PM
Istihara
Bankruptcy is an unfortunate situation, which can occur in the lives of both seasoned entrepreneurs and novice businessmen. While filing insolvency at the court has many benefits like getting relief from harassing creditors' calls and burden of loans; it also has a negative impact on the credit ratings. In a personal insolvency case, there are basically two types of proceedings - under Chapter 7 and Chapter 13. Both the types have their own unique conditions and clauses. Are you also thinking of filing insolvency? You might not be aware of those complex legal clauses and conditions but, a lawyer does. A bankruptcy attorney deals with both the types of proceedings (Chapter 7 and Chapter 13). Although it is very difficult to mention all the legal clauses and explain the happenings of both the cases, here's a brief introduction to both the types that a lawyer deals with:
Chapter 7
This is also known as straight bankruptcy. It is basically a liquidation process that the bankruptcy attorney supervises. In this proceeding a trustee is appointed by the court to liquidate your property. Your bankruptcy attorney will make a list of your non-exempt property and will provide it to the trustee. The trustee then converts the property into cash with which s/he pays off your loans. It will take a few months to get discharged from the case. But, remember - you should file a case under Chapter 7 only if you have no assets of immense value to lose. Many people tend to file for Chapter 7 proceedings without consulting with an experienced lawyer. Do not make the same mistake and let an expert represent you at the court of law.
Chapter 13
It is basically known as reorganization bankruptcy. Those who have a steady income and wish to pay off their debts over a stretched period of time file for proceedings under Chapter 13. A bankruptcy lawyer is competent to handle litigation and other tasks related to the cases under Chapter 13. An attorney will handle all the paperwork related to the case. Moreover, documents related to your income and debts have to be collected. All these tedious tasks are handled professionally by a bankruptcy attorney.
So, you can see that appointing an experienced attorney is the right decision to make if you want to get relief from your unsecured debts and start your life afresh. S/he is competent enough to deal with every type of legal proceedings related to bankruptcy law. Do you need a bankruptcy attorney? Worchester County comprises is the address of a few of the renowned and experienced attorneys whom you can approach for necessary consultation and representation.
Bankruptcy attorney Lowell - At Worchester County based DiFonte & Panagiotidis, LLC Attorneys at Law, highly qualified and experienced attorneys can help you determine the bankruptcy protection that best fits your financial situation and guide you through the process.
9:41 PM
Istihara
Of all the questions I get asked on a daily basis, this is the last question anyone should be asking of their bankruptcy attorney. Bankruptcy is very complicated and very technical and if done right, it can get you a fresh financial start in life. If done wrong, then you can lose your assets and defeat the purpose of bankruptcy. Your Detroit Bankruptcy Lawyer provides a service, and shopping for a bankruptcy lawyer is very different than price shopping for a DVD player. Here is why.
When someone asks me this question, I can't quote you a price because I may not even know if you are even eligible for a Chapter 7. Many questions are going through my mind, like is there a presumption of abuse with the means test? This question is the same as asking your doctor, "my head hurts, how much do you charge for brain surgery?"
Also, each case is unique. When you first call, I have no idea about your case. Every case has different creditors, different assets, and different protections. If I were to treat every case the same, then I am not doing my job in protecting your rights. We are dealing with bankruptcy, not making cookies. So why would you want a cheap cookie cutter attorney? I understand you are stressing out and fearful of losing everything you worked hard for. That is why I can't treat every case the same, thus I can't give you a price over the phone without meeting you first.
You might think, "I have a simple case". Any bankruptcy attorney will tell you there is no such thing as a simple case. You are in debt and it is crushing you. Do you really think it is simple? Would you want me to really treat your case as "simple"? I treat every case on an individual basis. I will give you the attention your case deserves and I will answer questions you have that are special to your case. I remember my criminal procedure professor explaining what "minor surgery" is. Minor surgery is the surgery other people have. Don't sell yourself short by thinking you have a "simple case".
But bankruptcy is just filling out a bunch of forms, so why can't you give me a price over the phone? Bankruptcy is much more than filling out forms. This is what bankruptcy petition preparers do, and they are not trained in substantive bankruptcy law. I am a trained bankruptcy lawyer who can analyze your situation and determine the correct course to take. I will advise you 1) if bankruptcy is an option; 2) what chapter to file under; 3) When to file. This is all part of the service a bankruptcy lawyer will provide to you.
Remember what you are trying to accomplish. You are trying to eliminate your debt and eliminate the stress in your life. If you need to get rid of $100,000 of debt, are you really being served by the cheapest lawyer in town? IF they are the cheapest, will they really be responsive to your needs? You will get what you pay for. You are running the risk of not getting a discharge of your debt, and maybe losing some assets that may have been otherwise protected by an attorney who devotes the time to your case.
If you are thinking about bankruptcy, you need to treat this as a very serious situation (which it is) and not go around town shopping. You are trying to get out of debt, not buy a toaster. I offer a free, no obligation consultation. I will analyze your situation and let you know what I can do to help. This consultation will cost you nothing but an hour of your time to meet with me. You will get your questions answered, including what it will cost to file. You wouldn't buy a house or car without looking at them first, so treat your bankruptcy lawyer the same way. We are just as important.
Call your Detroit Bankruptcy Lawyer today at (586) 439-4297, Extension 0, and set up your free consultation. Get the straight facts on bankruptcy. If you need more information, visit our website and sign up for our free bankruptcy E-Course and monthly newsletter.
My name is Kevin C. Johnson and I am an attorney located in Mt. Clemens, Michigan. I practice in the areas of consumer bankruptcy, criminal defense, and divorce. I offer a free consultation for any of your legal questions. Call me at (586) 439-4297 or email me at kevin.johnson@johnsonwilk.com. Visit my website at http://www.invictuslegalgroup.com/ and sign up for my free mailing list, which includes a bankruptcy E-Course (a $200.00 value) and free monthly newsletter.
