Your Questions About Money Making Stocks For 2011

Ken asks…

Mychelle Dermaceuticals bait & switch: which products no longer work due to altered & downgraded formulas?

Mychelle is notoriously ruining their creams on purpose. I am fed up with this line and I’m going to switch to Devita Rx or another true organic and pure line. I URGE EVERYONE TO BOYCOTT MYCHELLE AND TO WRITE TO THEM TO DEMAND THE OLD CLASSIC EFFECTIVE FORMULAS BACK! If no one contacts them, if everyone keeps being oblivious to the changes, if you keep buying a cream that no longer works hoping it will as it once did, it only makes the unscrupulous company rich but doesn’t help your skin!

Here is a list of the creams & serums they’ve pulled the bait and switch on. If you’re familiar with the line, you might have found that after buying a trial kit, you spend the big bucks to buy the big bottle only to find it to be completely useless!

To date this are the cream & potions they have altered to be a complete disaster:

Perfect C serum: Not so perfect! I had a sample of this vitamin C serum; it shrunk pores on contact! I shelled out over $40 for a bottle: the altered formula not only no longer shrinks pores at all, it ENLARGES THEM!! :-/ It’s now loaded with glycerin which leaves the skin disgustingly tacky. I’m not sure what they added or removed that altered the formula but this serum is a dud!

Fruit Enzyme Cleanser: this really exfoliated my oily skin and left it smooth and clear. Around 2008 I purchased a new bottle only to find that it’s no more effective than dish soap. Here again some questionable (toxic?) ingredients: polyglyceryl-4 caprate, polysorbate 20, sodium hydroxide, benzyl alcohol.

Supreme Polypetide Cream: I am so disappointed. This used to shrink and REMOVE wrinkles on contact. The new jar I bought in 2012 has an altered and toxic formula, loaded with GMO and other toxins. Gone are the peptides that made this a miracle cream. Whereas the 2011 formula worked ON CONTACT to instantly shrink deep lines and wrinkles to a non-existant hairline this ghost of parody of the original does nothing at all. At over $53 a jar, you might as well buy an infomercial line for $29.95, you’ll probably get a lot less carcinogens and just as ineffective a useless product!

Fabulous Eye Cream: this sample from the trial kit also worked on contact to shrink wrinkles but for the eye area. Alas the new altered formula does not work. Close to another $30 down the drain for 0.5 oz! :-/ Ladies don’t waste your money: this product has so many toxins, GMOs and other carcinogens the list is too long to paste.

NoTox Anti-Wrinkle Serum: $60, tons of toxic ingredients, 100% ineffective. Even the sample I got didn’t work, I guess I came to this one late to the party so I saved myself the money here!

Pumpkin Renew Cream: today I got my jar in the mail. I wanted to stock up on this, the last vestige of the Mychelle former glory. The only cream that still worked to give me an airbrushed appearance and exfoliate my skin while nourishing it without grease or oily feel. To my horror, when comparing it to my current cream, I see that the list of ingredients is longer! :-/ Sure enough, this has been tempered with more preservatives and goodness knows what other nonsense has been added and the good stuff probably removed like in the rest of their creams!

Some of their products have been altered to contain aluminum. Read your labels! As for me, I’m done buying Mychelle. I can’t waste another dollar and they’re changing formulas at such dizzying speed the websites don’t even have updated info. Why pay for something that no longer works, right?

Which Mychelle Dermaceuticals items have you used which now no longer work for you?

John answers:

I used the Mychelle Dermaceuticals Obama be gone cream. After about 10 minutes I ended up on the toilet, after that I unloaded my M1911 A1 into the HDTV.

Try slapping a big dab of Nummy Muffing cocoa butter on your ‘pooter.

Maria asks…

Isn’t it true that only when Demand is high do Business owners hire employees to meet that demand? ?

Since it would be a waste of money to hire someone when business is slow.

“If I get a $4,000 benefit for hiring you and I pay you $80,000 and you’re going to sit at your desk and do nothing because there’s nothing to do,” said Marty Regalia, chief economist of the United States Chamber of Commerce, “then the businesses aren’t going to hire you.”

” many employers dismissed the notion that any particular tax break or incentive would be persuasive. Instead, they said they tended to hire more workers or expand when the economy improved.”

“Companies are focused on jittery consumer confidence, an unstable stock market, perceived obstacles to business expansion like government regulation and, ABOVE ALL, swings in DEMAND for their products.”

““You still need to have the business need to hire,” said Jeffery Braverman, owner of Nutsonline, an e-commerce company in Cranford, N.J., that sells nuts and dried fruit. While a $4,000 credit could offset the cost of the company’s lowest-cost health insurance plan, he said, it would not spur him to hire someone. “Business DEMAND is what drives hiring,” he said.”

Demand Creates Jobs

http://www.nytimes.com/2011/09/10/business/economy/in-the-real-world-will-the-jobs-plan-make-a-difference.html?pagewanted=all

John answers:

It is true. This idea that a continuation of tax breaks for the rich is going to create jobs has already been disproven by statistical evidence from the last decade. All it has led to more savings in the banks of those benefitting from the cuts. They will invest it when and if the demand to buy their products increases.

Joseph asks…

If U owned a T-shirt shop N the Govt gave U a Tax cut would you hire more Employees even when demand is slow?

If yes why????

What would the new employee do while you have lil or no customers???

Isn’t it true that only when Demand is high do Business owners hire employees to meet that demand???

Since it would be a waste of money to hire someone when business is slow.

“If I get a $4,000 benefit for hiring you and I pay you $80,000 and you’re going to sit at your desk and do nothing because there’s nothing to do,” said Marty Regalia, chief economist of the United States Chamber of Commerce, “then the businesses aren’t going to hire you.”

” many employers dismissed the notion that any particular tax break or incentive would be persuasive. Instead, they said they tended to hire more workers or expand when the economy improved.”

“Companies are focused on jittery consumer confidence, an unstable stock market, perceived obstacles to business expansion like government regulation and, ABOVE ALL, swings in DEMAND for their products.”

““You still need to have the business need to hire,” said Jeffery Braverman, owner of Nutsonline, an e-commerce company in Cranford, N.J., that sells nuts and dried fruit. While a $4,000 credit could offset the cost of the company’s lowest-cost health insurance plan, he said, it would not spur him to hire someone. “Business DEMAND is what drives hiring,” he said.”

Tax cuts don’t create jobs…….Demand does….

http://www.nytimes.com/2011/09/10/business/economy/in-the-real-world-will-the-jobs-plan-make-a-difference.html?pagewanted=all

John answers:

No. Demand creates more jobs.

Ruth asks…

What will create jobs more???? Tax cuts….or Demand?

What stops a Business owner with a tax cut to just sit on his money and not create a job????

NOTHING……that’s exactly what many of the big businesses are doing right now…..they are sitting on 2 Trillion dollars right now because demand is too slow to hire.

Don’t believe me look here….
http://www.nytimes.com/2011/09/10/business/economy/in-the-real-world-will-the-jobs-plan-make-a-difference.html?pagewanted=all

“many employers dismissed the notion that any particular tax break or incentive would be persuasive. Instead, they said they tended to hire more workers or expand when the economy improved.”

“Companies are focused on jittery consumer confidence, an unstable stock market, perceived obstacles to business expansion like government regulation and, above all, swings in demand for their products.”

““You still need to have the business need to hire,” said Jeffery Braverman, owner of Nutsonline, an e-commerce company in Cranford, N.J., that sells nuts and dried fruit. While a $4,000 credit could offset the cost of the company’s lowest-cost health insurance plan, he said, it would not spur him to hire someone. “Business demand is what drives hiring,” he said.”

“If I get a $4,000 benefit for hiring you and I pay you $80,000 and you’re going to sit at your desk and do nothing because there’s nothing to do,” said Marty Regalia, chief economist of the United States Chamber of Commerce, “then the businesses aren’t going to hire you.”
@ YA

He who throws mud loses ground.

If you throw insults…..you get blocked…..

It’s that simple….

Now get Blocked …….

John answers:

It seems like common sense. But there are still people who think that lower taxes for millionaires will cause businesses to invest in hiring and production, even though there’s no demand for their output.

Michael asks…

How much in dividends should a company pay to common stockholders? Accounting Homework Help?

1) Shea Company has 100,000 shares of 6 percent, $50 par value, cumulative preferred stock. In 2010, no dividends were declared on preferred stock. In 2011, Shea had a profitable year and decided to pay dividends to stockholders of both preferred and common stock. If they have $750,000 available for dividends in 2011, how much could it pay to the common stockholders?

The answer is $150000, but I don’t understand how to arrive at that answer, so somebody please explain!!! Thanks

Also need help with one time value of money problem:

2) Kristen Quinn makes equal deposits of $500 semiannually for four years.
What is the future value at 8 percent? Round your answer to the nearest cent, if rounding is required.

This answer is 4607.11, but once again I don’t understand how to arrive at that answer

John answers:

1. Must pay cumulative preferred stock before paying common stock
100,000x.06×50= 300,000
PS for 2010= 300,000
PS for 2011= 300,000
the remaining 150,000 is paid to CS

2. If you use a Future value table
because it is semiannualy use 8 periods at 4%
9.21423×500=4,607.11

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