In one sentence, describe what the following article is about: If a company is doing a large amount of borrowing, its ROE may be artificially high. This is because debt decreases equity (equity = assets liabilities), driving the ROE up. However, assets increase because of the influx of cash from the loan. So, the ROA will be lower because you are dividing net income by total assets. This is a company's current share price compared to its per-share earnings. Divide Market Value per Share (current share price) by Earnings per Share as found on the company's website. For example, $25 current share price) / $5 (earnings per share) = 5 P/E Ratio. A high P/E Ratio indicates investors are expecting higher earnings growth in the future. A low P/E suggests a company may currently be undervalued or that it is doing very well compared to its past trends. The average market P/E ratio since the late 19th century has been about 16.6. A company should show continuous growth in revenue as a result of sales over a 5-10 year period. Earnings are the amount of revenue that the company keeps after paying all its expenses.
Summary: Investigate the amount of debt carried. Calculate the Price Earnings Ratio (P/E Ratio). Compare Earnings per Share.

In one sentence, describe what the following article is about: Lie on your back on a workout bench or other flat surface. Bring the dumbbells up to your chest, holding them shoulder-width apart with your palms facing each other. Rotate your arms so your palms face out and your forearm and upper-arm create a 90-degree angle. Exhale as you use your chest muscles to push the dumbbells up. Lock your arms at the top of the push and breathe for a second. Lower the weights slowly as you inhale. Perform 3 sets of 8 to 10 reps of this exercise. To determine how much weight you should use, figure out the heaviest weight you can use for 1 rep. Then figure out about 60 to 70 percent of that weight for your regular set. For example, if the heaviest weight you can use for 1 rep is 10lb (4.5kg), then you should use 6lb (2.7kg) dumbbells for your sets. If it begins to feel like there's hardly any resistance with the weight you're using, try the heaviest weight test again and readjust the weights you use. Stand with your legs just less than shoulder-width apart. Hold the dumbbells at your sides. Bring one dumbbell up so it's even with your shoulder and your palm faces out this is your starting position. Exhale and push the dumbbell up so your arm is fully extended. Pause for a second and then lower the dumbbell back down. Perform 8 to 10 reps and then switch arms. Repeat 3 sets. Stand with your legs about shoulder-width apart. Hold a dumbbell in each hand with your palms facing your thighs. Keep your back straight and your arms slightly bent at the elbow. Lift the dumbbells to your shoulders as you exhale, keeping them as close to your sides as possible. Keep your elbows above your forearms as you lift, and bring the dumbbells as close to your chin as possible. Hold the dumbbells for a second, and then inhale as you slowly lower them back down. Repeat 3 sets of 10 to 12 reps. Stand in front of a bench or elevated platform. Place your hands on the bench or platform, with your hands slightly more than shoulder-width apart. Move your feet back so that your body is straight back and your arms are straight up from the platform. Keep your body straight and slowly lower yourself to the edge of the platform or bench. Then push your body back up until your arms are extended. Repeat for 3 sets of 8 to 15 reps. Lie on your back on a workout bench or other flat surface. Hold the dumbbells in front of you, with your arms at a 90-degree angle from the bench and your body. Keep your elbows tucked in and your palms facing each other. Inhale, keeping your upper arms stationary, and lower the dumbbells to your ears, bending your arms at the elbows. When your dumbbells reach your ears, use your triceps to raise the dumbbells back up while you exhale. Repeat for 3 sets of 6 to 8 reps. You don't need to do every single one of these exercises. Instead, choose 2 or 3 to do on the days you work out your chest and arms.
Summary: Perform a dumbbell bench press to exercise your pectoral muscles. Try a one-arm shoulder press to build your triceps. Perform an upright row to sculpt your back. Do an incline push-up. Try a tricep extension. Choose 2 to 3 of these exercises for your workout.

In one sentence, describe what the following article is about: There different types of references, depending on the position for which you're applying. References can also take one of several forms. Phone calls, emails, questionnaires, and letters of recommendation are all common. Be sure to review the applications instructions carefully to make sure that you secure the right kind of reference. The most common type of reference is a professional reference. In this case, your referee should be able to attest to your ability to get the job done. Another common type of reference is a personal reference. In this case, your referee should be able to attest to your character. If you have a LinkedIn profile, you have the option of obtaining a LinkedIn recommendation. Different reference types often require people to serve as referees. Make sure that the person you're asking can provide you with kind of reference you need. Ask yourself, "Who will be most able to discuss my qualifications for this position?" Don't limit yourself to former or current employers. Co-workers, former teachers and professors, ministers, and even your attorney might be able provide you with a strong reference. If you're applying for multiple positions, consider asking different people to serve as referees for different positions. Make a list of reasons why you're asking a particular person to be a referee for you. Include details like the basis and extent of his or her relationship with you, his or her professional qualifications, and the kinds of things he or she will be able to say about you. Not only will this list help you narrow down your list of potential referees, it will also come in handy when you actually ask for references. This might seem like a no-brainer. However, you're going to want to provide your potential referees with useful information about yourself. An updated resume will serve them better than an out-of-date one.
Summary:
Determine the type of references you need. Pick the right people. Update your resume.