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16.04.2011 08:05:23

Guarantor Loans

Guarantor loans are a good solution for those who have a bad credit history. If you know how, you can change your life for the better. With the help of guarantor loans , you can improve your credit line and won’t have to worry when you have a need to borrow money at relatively low interest rates if compared to common type lenders that will require a guarantor from you.

What Are Guarantor Loans

Guarantor loans are unsecured loans that require participation of an individual that can take the responsibility of paying off your debt and gross things if you can’t do so. This individual can be your family member, a friend, or your boss – anyone who will be happy to back you up when the need arises. Such an individual is called a guarantor; hence, the loan is called a guarantor loan . It can be obtained even if you have a poor credit line and aren’t eligible for other credit types .

Gross Sales

When it comes to revenue calculation , such notions as gross sales and net sales are very important. Gross sales are defined as the overall revenue that a company gets from sales before any operating expenses, tax payments, cost of goods sold, transportation and other expenses are deducted. When all these gross things and payments are deducted from gross sales , you will figure out what your net sales are.

Gross National Product Definition

Gross National Product, or GNP, is the total value of all the products (goods and/or services) produced within a certain period of time (usually a fiscal quarter or year) and claimed by particular country’s residents. The final products are defined as the goods and services purchased or obtained by their final consumers. To avoid confusion, the value of the material sold to a company to make a certain product isn’t calculated separately and is already included in the GNP total value, when they estimate the final price of the product that is sold to the client.

Gross National Product closely relates to Gross Domestic Product (GDP) and they show similar numbers in most developed countries. The difference is that foreign countries can be engaged in the country’s production processes as well as local residents can have their businesses run outside the country’s borders, but produce income to the local residents.

There are two approaches used in the calculation of GNP:
  1. Income approach is based on the values earned by the residents within a certain time period
  2. Expenditure approach is based on the total amount spent on obtaining products (goods and services)


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