BCS Question | Online Preparation

Author: admin

What are EPS Files and How do you Manage them?
This cable is primarily used to provide power to the CPU (Central Processing Unit) and other components on a computer’s motherboard. LaptopJudge offers an ebook named “Laptop Lifeline” where you can learn buying & using laptops and desktops perfectly in your home, office, or outside. Our experts write the guides for both normal people and professional users.

How to create and edit an EPS file.
- Plus, PNGs can be opened with pretty much any software, unlike EPS which requires specialized software.
- EPS files excel in this regard due to their vector-based nature, which stores images as mathematical equations rather than fixed pixels.
- However, SVGs are not always suitable for print media or complex designs.
- Whether you are designing a logo, a poster or a brochure, with EPS you know that your images will always be of the highest quality.
- You can design your artwork or illustrations in these programs, and when finished, choose “Save As” or “Export,” then select the EPS format.
This practical approach can significantly reduce file size, making it easier to manage and share these files across workflows. In 1987, Adobe introduced the EPS format as a means to encapsulate PostScript code within a single file, making it easier to share and embed graphics within documents and other files. This new format allowed for the seamless integration of vector graphics and text elements. EPS files are not limited to print media; they also integrate with other technologies, such as web design and mobile applications.

Why Content and Executive Function Skills Matter More Than Ever in the Age of AI
- Often, EPS files are uncompressed, although the file format supports lossless LZW and ZIP compression.
- LaptopJudge offers an ebook named “Laptop Lifeline” where you can learn buying & using laptops and desktops perfectly in your home, office, or outside.
- The 8-pin CPU cable is officially called the EPS cable, while the 4-pin CPU cable is called the P4 cable.
- But what exactly is an EPS file, and why is it so crucial for graphic designers and other professionals?
On the other hand, the EPS read supports 1-bit, 8-bit, and 24-bit color channels. Its file information or data benefits from lossless compression, which ensures the image quality remains high even with upward or downward scaling. The file format is one page long, with a limit of 0.5MB and 10 MB.

Section 2: The Advantages of Using EPS Files

Though overtaken by more modern file formats such as PDFs, EPS files still have a function as a common legacy format compatible with almost all systems and software. EPS (EPS) stands for Encapsulated PostScript, a file format developed by Adobe Systems in 1992. It encapsulates PostScript Code within an EPS file, Creating a compact and efficient way to store and share vector graphics and text. EPS files combine the precision and flexibility of PostScript with the convenience and portability of a file format. The EPS file can be edited in software supporting vector graphics, including CorelDraw, QuarkXpress, Inkscape, Adobe Illustrator, Photoshop, GIMP, Paint.Net, and InDesign.

Then, there is some great and free software that can help you edit EPS vector images. With Gravit, you can create a free account that allows you to create and work on graphic images, including EPS files online to make all kinds of different-sized images. The individual graphics data stored in vector files means EPS files can retain resolution regardless of scale. That makes EPS ideal for expanded graphics, such as billboards and other large-scale marketing collaterals.

Is A JPEG the same as an EPS file?

They keep the vector data intact while adapting to different needs. The file format was designed to support still images or content and has no multimedia or live content capabilities to support animated images or animations. EPS files are meant for professional printing and are not ideal for screen-based displays. EPS, which stands for “Encapsulated Postscript,” is a file format created by Adobe in the late 1980s to serve the needs of designers and printers. Whether you’re a Mac or PC user, you are not short of choice in terms of software for opening an EPS file in your operating system.

EPS files: Everything you should know about the EPS format

It can combine both vector and raster graphics functionalities, making it a versatile tool for professionals, designers, and amateurs. The emergence of next-generation file formats like SVG and PDF has outshined the Encapsulated PostScript vectors. Despite losing their popularity to these file formats, some print professionals still use EPS files owing to their backward support feature, which allows them to be used with outmoded printers. Finally, EPS images set the mark of becoming a business standard for professional printers. Their images or files were widely used in advertisement banners, billboards, icons, logos, marketing materials, scientific printing, and publishing charts and graphs.

This means that vector images can be scaled up or down without losing quality or becoming pixelated, unlike raster graphics, which are made up of individual pixels. This makes the EPS format particularly useful for creating and sharing images that need to be resized for various purposes, such as logos, illustrations, and other design elements. Manage vector graphics and prep your illustrations and graphics for high-resolution prints with the EPS (Encapsulated PostScript) file format — the traditional industry standard for professional printing. Discover more about how to use EPS files and how they compare to other formats.

EPS format, or Encapsulated PostScript, is a vector-based file format used in graphic design to store and share images. EPS files are also known for being lossless, meaning they can be resized without any loss of quality, which is a crucial feature for high-quality printing and large-scale advertisements. This makes EPS files particularly ideal for applications like billboards and posters where image integrity must be maintained at large sizes.

From Digital File to Printed Masterpiece: How BachelorPrint Works

Here, the vector file has clear advantages over a pixel file, where enlarging an image will come at the expense of sharpness. EPS files preserve the eps stands for in computer image quality throughout the design process. Because they are based on vector graphics, they avoid the loss of quality that can occur with raster formats when repeatedly edited and saved.
February 8, 2022
What Is Addiction? Definition, Signs, Treatment, and More
They naturally rise and fall over several minutes, and many treatments for addiction train people in techniques for outsmarting cravings or distracting themselves from drug cravings until they lessen in intensity. At some point, addiction becomes a trap of endless repetition that loses whatever allure it once held. As addiction progresses, the psychological and life problems it causes tend to increase—and the trap can feel too deep to climb out of. However, it is almost always possible to stop use and begin recovery. According to DSM-5, widely used as a roadmap to diagnosis, it becomes a disorder when use eludes control and interferes with functioning. Substance use disorder is marked by a pattern of pathological behaviors related to use of the substance.

How do you develop substance use disorder?

• Developing the unpleasant physiologic symptoms of withdrawal—shakiness, sweating, queasiness or vomiting, headache—when unable to take the substance. Withdrawal is a highly variable Halfway house sign of addiction; it occurs with use of some drugs (alcohol, for example) but not others (cocaine); however, it often drives continuing use. Withdrawal can require medical treatment when a person abruptly stops heavy substance use. Like treatment for other chronic diseases such as heart disease or asthma, addiction treatment is not a cure, but a way of managing the condition.

Frequently Asked Questions About Drug Addiction
- Further, by changing the responsiveness of dopamine receptors, methamphetamine blunts the experience of reward from normal sources of pleasure.
- Alcohol is the most commonly abused drug among adolescents in the United States.
- Both substance use disorders and gambling behaviors have an increased likelihood of being accompanied by mental health conditions such as depression and anxiety, or other pre-existing problems.
- Nowadays, these two subfields are mostly studied separately and the understanding of how these two main addictive drug-induced brain modifications interact might be fundamental for addiction research 6.
- Drugs with a high risk of abuse and accepted medical use with severe restrictions.
For example, withdrawal symptoms are not specified for inhalant use. If you https://ramakanthsmiley.in/fetal-alcohol-syndrome-causes-symptoms-diagnosis/sober-living/ or someone you care about may have an addiction, talk to your provider right away. This can create an unhealthy drive to seek more pleasure from the substance or activity and less from healthier activities. There’s not a single cause of addiction — it’s a very complex condition.

How Science Has Revolutionized the Understanding of Drug Addiction

It involves family and friends and sometimes co-workers, clergy or others who care about the person struggling with addiction. Detoxification is followed by other treatments to support long-term abstinence. Many treatments involve both individual therapy, such what is drug addiction as cognitive behavioral therapy, and group counseling. These are provided in outpatient facilities or inpatient residential recovery programs. Depending on the type of substance use disorder, the first stage of treatment may be medically assisted detoxification. During this process, healthcare professionals provide supportive care as the substance is cleared from your bloodstream.
- With early stages of addiction, a doctor may recommend medication and therapy.
- Episodes of remission (abstinence from drug use) and relapse characterize recovery from substance dependency.
- Addiction is a complex, chronic brain condition influenced by genes and the environment that is characterized by substance use or compulsive actions that continue despite harmful consequences.
- Brain plasticity is a fascinating capacity allowing appropriate modification of the neural activity in response to new experiences and environmental stimuli 32.
- In line with these results, it was suggested that as soon as abstinence is reached, the risk of relapse might be reduced if GluA2-lacking AMPARs were inactivated or removed from NAc synapses.
Types of Commonly Abused Drugs

The incapability of GABAergic synapses to potentiate after morphine or cocaine administration may promote LTP of glutamatergic synapses 58, 59. The early loss of inhibitory control combined with potentiation of glutamatergic synapses on dopaminergic neurons might represent adaptations that increase vulnerability to addiction 58, 59. Furthermore, GABAA receptor modulators modify the addictive drugs effects 60, 61, and targeting these receptors might be seen as an effective therapeutic strategy but precluded by many side effects among which dependence itself 62,63,64. Also important in the treatment of drug dependency is helping the parents, other family members, and friends of the addicted person refrain from supporting addictive behaviors (codependency). Whether providing financial support, making excuses, or failing to acknowledge the drug seeking and other maladaptive behaviors of the drug abuser, discouraging such codependency of loved ones is a key component of recovery.

Social scientific models

Interestingly, the type of drug-evoked plasticity involved is also dependent on the input. It is important to remember that relapse is common and doesn’t mean the treatment has failed you or your loved one. Thankfully, treatment approaches for both dependence and addiction often go hand-in-hand.
January 26, 2022
What is a Contra Account?
This also ensures accurate financial statements, which is essential for meeting regulatory requirements and maintaining the trust of stakeholders. A contra account plays a significant role in business by providing a clearer, more detailed picture of the financial situation. They ensure that the assets, revenues, and equity reported are not overstated, and that liabilities are presented in relation to any discounts or premiums.

Why businesses use contra accounts

By creating the Sales Discount account, the company can provide context to their revenue figures and better understand trends in the marketplace. Imagine a company that offers an early payment discount to its customers, reducing their invoiced amount by 5% if paid within one week of invoicing. In a given month, the company generates $100 thousand in gross sales but provides a total of only about $2 thousand in discounts that month. If every single buyer had taken advantage of the early payment discount, the company would have provided roughly $5 thousand in discounts during that same timeframe. And why stop at just theory when you contra expense account can apply what you’ve learned using premium templates? Upgrade your productivity and performance with ready-to-use accounting templates designed to streamline contra account management.

Quick Guide to Master Contra Accounts: Definition, Types & Examples Simplified

This mechanism ensures that your financial statements provide a precise representation of your business’s financial position. Equity recorded as a debit balance is used to decrease the balance of a standard equity account. It is a reduction from equity because it represents the amount paid by a corporation to buy back its stock. The treasury stock account is debited when a company buys back its shares from the open market.

Step 1: Identify the contra account type

However, they can also help to offset the impact of regular expenses and can improve a company’s overall financial performance. Contra expense is a term used in finance to describe a negative expense that is recorded as a reduction to a specific account, typically resulting in a decrease in the company’s overall profit or income. According to the Financial Accounting Standards Board (FASB), businesses must present a true financial picture. This entry records the payment of the invoice, the cash disbursed, and the discount taken in the contra account. This entry reduces the amount owed to the supplier and records the return in the contra account.

Practical Examples of Contra Account Usage

Neglecting to utilize contra-expense accounts can lead to an overstatement of expenses, potentially resulting in significant accounting discrepancies. Furthermore, these accounts play a crucial role in preventing double-counting of expenses, such as in cases where refunds or discounts have been applied to previously recorded expenditures. In double entry bookkeeping terms, a contra expense account refers to an account which is offset against an expense account. In addition, templates for contra account journal entries help ensure consistency and accuracy in recording transactions across the board. With the right tools and the wisdom of the community, managing contra accounts becomes a seamless part of your accounting routine. Contra expense accounts are indispensable tools in financial analysis, offering a nuanced lens through which analysts can assess a company’s cost management strategies.

This can have various strategic implications, from attempting to increase per-share earnings to trying to prevent takeovers. Contra equity accounts, therefore, act as a ledger for corporate strategy, impacting how the worth of a company is perceived from the outside. Instead of reducing an expense account, depreciation is recorded as an expense and is linked to a contra-asset account called Accumulated Depreciation. As a reminder, assets and expenses are debit accounts whereas liabilities and revenues are credit accounts.
- In the event that a contra account is not utilized, it can become increasingly troublesome to determine historical costs, which makes tax preparation time-consuming and difficult.
- A company creates allowances for doubtful accounts to record the portion of accounts receivable which it believes it will no longer be able to collect.
- This accuracy is crucial for stakeholders who rely on these metrics to gauge a company’s financial health and make investment decisions.
- We strive to empower readers with the most factual and reliable climate finance information possible to help them make informed decisions.
- Also, when products are returned, Sales Returns and Allowances—a type of contra revenue account—offset the previously recognized sales revenue.
How are contra assets accounts presented?

Contra expenses are recorded as credits, reducing the total reported expense on the income statement. This allows for better financial tracking and transparency, as it separates gross expenses from adjustments like employee contributions or supplier discounts. Contra revenue accounts provide a more accurate picture of a company’s earnings.
- To account for depletion, an Accumulated Depletion account is created so that it can serve as a contra account for the parent Fixed Asset account.
- Contra expenses, being a negative expense, ultimately decrease a company’s profit or income.
- This action reduces the total cost of goods purchased, ensuring that the expense reported on the financial statements reflects only the net cost of goods that were actually retained and used by the company.
- By doing so, companies can provide a more accurate representation of their financial performance and ensure that expenses are appropriately matched with the revenues they generate.
- The discount on bonds payable is a notable example, reducing the face value of bonds issued below their market value.
Accounting made for beginners

It is not classified as a liability since it does not represent a future obligation. Including contra accounts on a balance sheet is important as it allows for a more transparent view of a company’s financial position. Contra expenses play a crucial role in adjusting expense recognition by reflecting expenses that are deducted from gross income, providing a clearer picture of a company’s financial performance. They serve as a means to separate and highlight certain costs that do not directly contribute to revenue generation.

Accounting Ratios

If a customer returns a product, you debit sales returns and allowances and credit accounts receivable. A contra-asset account has a credit balance, which lowers the total asset value. A contra-revenue account has a debit balance, reducing total revenue, and a contra-liability account also has a debit balance. Contra revenue accounts are the dedicated detectives tracking down all the subtractions from a company’s gross revenue. These accounts keep an eagle eye on sales returns, allowances, and discounts, ensuring you’re not overestimating your income. By subtracting these amounts from the total sales, what you’re left with is net revenue— the revenue that’s truly earned and likely to stay in the company’s pocket.
September 15, 2021
Authentic Model Test 1

[forminator_quiz id=”4757″]

August 14, 2021
The Skills You Need to Become a Professional iOS Developer
After learning to program in Swift, the next step is learning how to make iOS apps. Again, you don’t need to get another Apple device, but it could be helpful. It’ll give you a better understanding of how iOS apps are used in the real world and what users expect from them. Plus, it’ll give you a chance to test your own apps on different devices before you release them to the public. This guide will provide a comprehensive overview of becoming an iOS developer, tailored especially for the Indian audience.
- As more apps are made in Swift, Objective-C won’t be used as much, but it’s still useful to learn it.
- Your goal should be to understand just enough of the concepts and code to make it work well without going too far.
- The way you craft your code and make it logical as per the Apple devices matters a lot.
- At this point, we’ve listed all the core and extension skills you’ll need to work as a full-time iOS developer.
- The compensation of iOS developers differs across education levels, and varies by location and professional experience.
- This process is usually one using the XCode IDE with the Swift or Objective-C languages, which are Apple’s original languages.
Building Code History: The User Interface

Remember that everyone, even the most experienced iOS developers, goes through these struggles. A portfolio will serve as proof of your experience and expertise, so it’s important that you create one, especially if you want to be taken seriously – and regarded as a professional. It’s okay if you don’t yet have big clients; what’s important is you have completed projects you can showcase.

Can a Coding Bootcamp Help Me Become an iOS Developer?

You don’t need to join the https://wizardsdev.com/en/vacancy/ios-developer/ iOS Developer Program to create an app or even test it on your own device. Joining the program is only necessary when you’re ready to deploy your app on the App Store or distribute it to other people. Although you can find helpful guides and tutorials online, we recommend taking some top-rated courses to get a more structured learning experience. Programming languages Swift and Objective-C are vital if you want a successful career in the iOS application industry, so we recommend focusing on them before you try to learn anything else.

Conclusion: Charting a path to success in iOS development

Most modern applications rely on data from the internet, making it essential to understand how to work with APIs (Application Programming Interfaces). Familiarize yourself with RESTful services, JSON data format, and how to make network requests in Swift. This knowledge will enable you to integrate third-party services and Software quality assurance create dynamic applications.

Compared to Swift and SwiftUI these are a piece of cake, or at least they are at the level you need to be in order to get a junior iOS developer job. You have a few different pathways to becoming an iOS app developer. I also worked for many clients where I rarely ran apps on real devices, if ever.
July 28, 2021
QSEHRAs and what they mean for your small business
According to Paychex’s 2025 Priorities for Business Leaders, 86% of leaders identify economic uncertainty as a significant challenge. Whether it’s the right choice for you depends on several factors, including your business size, your employees’ needs, and the maximum allowance you’d like to offer each employee. The EBHRA is for organizations of all sizes that currently offer traditional group health plans. The GCHRA is for organizations of all sizes that currently offer traditional group health plans. The ICHRA is for organizations of all sizes that don’t offer traditional group health plans. Employees must have individual health insurance coverage to participate.

Employer-sponsored benefits can help attract and retain employees, but group health insurance plans may be too costly for some small businesses. A qualified small employer health reimbursement arrangement (QSEHRA) is one option for certain employers who want to offer health care perks to employees without breaking their budget. In 2016, the passage of the qualified small employer health reimbursement arrangement (QSEHRA) provided business owners with a new option.

With the QSEHRA, you can change monthly allowance amounts in the middle of the plan year. What’s more, if you’re cutting allowance amounts to the point that it would “materially reduce” the plan’s benefits or services, you must notify participants within 60 days. QSEHRA payments are tax-free to you and your employees, provided they have MEC.

What Are the Rules for a QSEHRA?

These types of businesses can not only advise you on how to set up your QSEHRA, but assist you with doing so. Interestingly, in some situations, an employer can participate in their own QSEHRA. However, an employer’s eligibility to participate in a QSEHRA depends on their business entity type. This guide explains everything you need to know about the QSEHRA, including how it works, eligibility requirements and whether or not this option might be right for your small business. But first, let’s learn a little bit more about what exactly a QSEHRA is. Note, this will not actually cause the transfer of money to happen (“tracking only”) but it’ll automatically populate QSEHRA reimbursements on your employees’ W2s at the end of the year.
- Other common ways to administer your QSEHRA is to offer all employees the maximum reimbursement or to offer different reimbursement amounts based on age.
- Although that takes care of the month-to-month reimbursements, you’ll want to be aware of year-end requirements too.
- A GCHRA only requires employers to pay for the eligible medical expenses their employees incur, unlike a pre-funded health savings account (HSA).
- Unlike an ICHRA, a QSEHRA assists predominantly smaller employers (those with fewer than 50 employees) who do not offer traditional group health coverage.
- From a logistics standpoint, it is generally easier to launch a QSEHRA at the beginning of a new month or calendar year.
Ready to enhance your employee benefits with PeopleKeep?

However, administering it on your own can be challenging, especially if you’re new to HRAs and IRS requirements. This article covers the steps you need to take to set up your QSEHRA, administer it compliantly, and how PeopleKeep can help you offer one without the hassle. Health Reimbursement Arrangements (HRAs) for small eligible employers have been around for many years, but the QSEHRA is a new option that was created by the 21st Century Cures Act in 2016. If someone starts mid-year, their amount is prorated, and they will get the amount allocated for each month during the remaining part of the year. If an employee doesn’t use their full QSEHRA allowance, the employer keeps the unused funds, but they can roll them over to the next year. Businesses are required to inform employees that they’re eligible for a QSEHRA.

The Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) is one option that is growing in popularity and for good reason. The newly implemented QSEHRA gives employers and their employees access to tax-free health insurance premiums, funded by the employer. Integrated HRAs are sponsored by the employer and consist of a health plan provided to employees with a reimbursement of their medical expenses. These plans are often used to provide a more comprehensive benefit package to employees. Unlike a QSEHRA, they are more complex and require the employer to manage both health benefits and reimbursements for employees. If an employer offers a QSEHRA, it will set aside a fixed amount of money each month for qualified expenses.

Step 1: Set Up Earnings Code

They also have better access to healthcare coverage because they can get reimbursement for services that normally wouldn’t be covered under a basic plan. Employers can pair QSEHRA with employer-sponsored premium reimbursement to pay some or all of their premiums for the plan they select. Another difference is that a QSEHRA is much more flexible than the other HRA’s. It does not require as many rules or regulations around the contributions and eligibility.

Do All Eligible Employees Have To Be Included in the QSEHRA?

This benefits the employee because it provides reimbursement for these expensive healthcare services, and it benefits the employer because the reimbursements are tax-free. It also benefits the employer by making their company look more appealing with a more robust benefits package. Unlike group health insurance plans where employers typically pay a portion of the premiums, QSEHRAs don’t involve any premium payments. Instead, employers reimburse employees for qualified medical expenses up to the specified annual allowance. This can lead to significant savings compared to the cost of providing group health insurance coverage.

Healthcare costs are rising, making it difficult for small business owners to afford traditional group health plans. Employers are searching for cost-effective ways to provide healthcare benefits to their employees. Health reimbursement arrangements (HRAs) are an excellent solution for affordable coverage. With QSEHRAs, employers also have control over how much they contribute to each employee’s healthcare expenses. Unlike traditional group health insurance plans where premiums can fluctuate based on factors like age, location, and plan coverage, employers can set a fixed amount for reimbursement under QSEHRAs. Under the ACA, a QSEHRA can only be used by employees with minimal essential coverage.

To learn more about plan offerings for your employees and your business, check out ADP® affiliate, Automatic Data Processing Insurance Agency, Inc. (ADPIA®), for the latest in insurance offerings. For example, it’s unlikely that you’ll be able to draft a plan document without the help of an attorney—that cost2 alone can exceed $3,000. Even if you purchase pre-written plan documents, you’re still looking at fees of $200 or more, and the document seller wouldn’t be available to help with any plan amendments. Your organization makes QSEHRA payments on a tax-free basis for both the organization and the employees. During tax time, use box 12, code FF on each employee’s W-2 to report the total permitted benefit available to the employee through the QSEHRA.

“But in order to reap the maximum benefits of these cutting-edge HRAs, you need to be willing to do your homework and implement what’s best for your company and its employees.” “As a business owner, you want to offer your employees both the benefits they want and what you can afford.” As part of your company’s annual budget review, you may want to revisit the monthly allowances you give employees through your QSEHRA.

With an HRA, employers can reimburse employees for their healthcare expenses, potentially including individual health insurance premiums, out-of-pocket medical expenses, or a combination of the two. Employers set a monthly allowance using pre-tax dollars, and employees can use their allowance on any qualified medical expense they choose. QSEHRA is a health benefit designed specifically for small businesses with fewer than 50 employees. It allows employers to reimburse their staff for medical expenses, including health insurance premiums, on a tax-free basis. Unlike conventional health insurance plans, QSEHRAs offer flexibility and can be a more affordable solution to combat the rising expense of employee health coverage.
- A QSEHRA does not need to be integrated with an individual health insurance policy which makes it easier and more cost effective for small businesses to administer compared to the other HRA’s.
- While they all have the same basic structure, they differ in important ways.
- The limited contribution amounts may pose challenges for employers who wish to provide more generous healthcare benefits to their employees.
- Additional exclusions may apply to non-resident aliens and employees covered under a collective bargaining agreement.
- However, not all small businesses can afford to offer health insurance plans to their employees — and the passage of the Affordable Care Act in 2010 made standalone HRAs noncompliant.
Employers are eligible to adopt a QSEHRA if they have fewer than 50 full-time employees, and they do not offer group health insurance benefits or a flexible spending account to those employees. Salusion’s automation of ICHRA and QSEHRA reimbursements significantly simplifies the administration process for employers using ADP payroll. However, in cases where taxable premiums need to be reimbursed, integrating reimbursements into ADP’s payroll system ensures proper tax withholding and compliance. By following the provided steps, employers can efficiently manage their HRA reimbursements while staying compliant with tax regulations. By providing employees with a QSEHRA, businesses can attract and retain top talent, which can help improve the bottom line. Businesses also show employees that they are committed to their health and well-being, which can lead to increased loyalty.

This is especially true when considering different types of HRAs, such as the qualified small employer HRA (QSEHRA). Allow the employees to purchase healthcare services and premiums based on how you set up the benefit. Another bonus—unused funds in the QSEHRA at the adp qsehra end of the plan year can roll over to the next year. This feature allows employees to accumulate funds for future medical expenses without losing them, and it doesn’t trigger taxes on the unused amounts.

An EBRHA covers excepted benefits and out-of-pocket expenses as set by the employer. Workforce PayHub, Inc. is your local provider of Human Capital Management solutions that assist you in managing your most valuable asset, your workforce. The Workforce team currently provides expert payroll, time & attendance and HRIS solutions to more than 39 states and territories. Because of these reasons, it’s fairly common for a small-business owner to seek out a third-party QSEHRA administrator to help them maintain their QSEHRA.
July 13, 2021
15 Best Stock Market Books for Beginners to Build Wealth
You will learn a practical asset-allocation investment philosophy that the author has gained through his years of experience and from the influence of world-famous investors like Warren Buffet! Definitely a must-read for beginners and experienced investors. For beginners in stock market trading, the journey might seem confusing at first. But a relatively cheap and readily available resource in a valuable book about the stock market can be a valuable guide.

You have the option to trade stocks instead of going the options trading route if you wish. Understanding Wall Street provides valuable insight into how the market works so investors can stay ahead. ETFs are one of the fastest-growing investment sectors, and Richard A. Ferri explains how they work. Ferri best books for stock market beginners explains the ETF terminology, including such terms as Exchange-Traded Product. He covers the basics of risk and return, taxation, and investing in ETFs. It is one of the most comprehensive investment guides on the market today.
- Fisher argues that understanding a company’s management, innovation, and growth potential is as important as analyzing its financial statements.
- Written in an engaging and often humorous style, Greenblatt provides actionable advice through relatable examples.
- Moreover, it analyzes costs, exposes tax inefficiencies, and warns of the mutual fund industry’s conflicting interests.
- Jesse Livermore is one of the most famous and debated traders in history.
- An approachable read simplifies the complexities of books about stocks for beginners.
- This book gives you over 135 different technical indicators and goes through summaries of how they work.
Intermarket Analysis: Profiting from Global Market Relationships

Topped with tons of inspiration and examples that can guide you at the start of your journey. The stock market is a place of high opportunity and equally high risk. Learning about stock market investing is an important part of growing your financial assets. However, pursuing a diverse portfolio of assets is not as scary as it seems.

Are these books useful for intraday traders?

It’s a captivating read that combines real-world experiences with actionable advice. One of the best stock market books in history treats stocks and other investment assets the same way as tulips and Beanie Babies. As the winner of the 2013 Nobel Prize in Economics, Robert Shiller understands the markets and has spent his career studying their movements. Irrational Exuberance explores how trends turn into booms and ultimately bubbles that burst.

The Fundamentals of Investing

Our experts help the new investors to understand the fundamentals and working of the stock market. Most people think of the stock market when it comes to investing their money, but it’s not the only game in town. Real estate investing can also build wealth and its physical nature can sometimes be easier to comprehend for people than the stock market, which can feel abstract. This book is a great source of fundamentals and is recommended for anybody looking for advice on managing his money.

There are various books under this niche, but none resonates with the information in a more subtle way than this one from John C. Bogle. A Random Walk Down the Street remains one of the top-selling investment-related books in the market and has over a million copies sold in its locker. The book by Burton G. Malkiel covers aspects of investing, stocks, bonds, tangible assets, and behavioral finance. It mainly caters to the concept of a simple yet tactical no-nonsense guide to investing making it a great read for beginners. Malkiel has been a known name in the industry with his other two books, “From Wall Street to the Great Wall” and “The Random Walk Guide to Investing” being other top-selling books.

Stocks for the Long Run is a book by Jeremy Siegel

In The Elements of Investing, Burton G. Malkiel, the author of A Walk Down Wall Street, writes an easy-to-read investment guide beginner investors can understand. Malkiel and Ellis explain basic investment philosophies, including contrarian, behavioral, and value investing for ordinary people. James M. Dahle, MD, explains investments for people without training or education in investment, finance, business, insurance, and estate planning. He examines stocks, real estate, homes, and other investments from the perspective of a well-paid professional or small businessperson with large debts. Finding undervalued companies is the goal of fundamental analysis. An undervalued company is one whose stock price is lower than its intrinsic value.

Take a look into this timeless classic and let Bogle On Mutual Funds show you how to invest in mutual funds the right way, with the expert perspective of an industry leader. Since the first edition of Common Sense on Mutual Funds was published in 1999, much has changed, and no one is more aware of this than mutual fund pioneer John Bogle. This book is ideal for Indian investors looking for a disciplined approach to investing. Based on years of research, this book reveals that most millionaires aren’t flashy—they’re disciplined, budget-conscious, and consistent investors. It breaks common myths about wealth and shows how habits, not income, determine financial success. A great read for those who think rich lifestyles equal financial freedom.

Our chat rooms will provide you with an opportunity to learn how to trade stocks, options, and futures. You’ll see how other members are doing it, share charts, share ideas and gain knowledge. Though it makes for a captivating read, the real value of the book lies in the commonalities as well as the differentiators it uncovers between the interviewees. Revealing once more that success on the market is determined by a sound methodology and mental state, rather than luck or extreme wits. Though an entertaining story, at its core the book is an exploration of what makes a successful trader. It delves into the psyche of short-sellers and how they used their strategy to exploit the weaknesses of the market.

A straightforward guide on how to build wealth steadily by investing in index funds. This book popularised the efficient market hypothesis and highlights the benefits of diversified portfolios and index fund investing. In this book, Brandon Turner lays out how to make money through rental properties, taking you through the whole process of buying your first unit to collecting those rent payments. If you’ve ever wondered how to make money through real estate, this book is a great place to start. As a hedge fund manager in the 1980s and ’90s, Joel Greenblatt generated annualized returns of about 50 percent.

“The Most Important Thing: Uncommon Sense for the Thoughtful Investor,” by Howard Marks

Buffett has said that he writes the letters thinking of his sisters, who were smart and interested in business, but not as well-versed as he is in the matter. Readers will come away with a valuable education in business and investing. After investing in stocks reaching their 52-week highs, Darvas was pleasantly surprised when these stocks continued to rise, leading him to sell them at a substantial profit. This can be divided into two sections – First half covers Steve’s experiences as a beginner trader, and the second half explains the stages he becomes a successful trader. Jesse Livermore is one of the most famous and debated traders in history. This groundbreaking book explores the intricate relationship between human behavior and financial success, offering invaluable insights for anyone seeking to navigate the complex terrain of money.

How to Invest in Yourself: 13 Ways To Build a Solid Financial Future

“One Up On Wall Street” is a fantastic read for beginners eager to learn from one of the best. Lynch’s approach is accessible, emphasizing the importance of research and understanding the companies you invest in. According to the author, financial markets are interrelated, so your forecasts need to account for how other markets are faring.

And some of the best places to do just that are to look into the best books to learn about the stock market for beginners interested in long term investors and also for interested day traders. One of the most important aspects to learn about finance is investing. The stock market can be a confusing and difficult field to navigate, which is why this article will provide a list of the best books on stocks for beginners. This list includes books that are engaging and easy to understand, with information that is relevant and up-to-date. From investing basics, stocks, and bonds to what to do when the market crashes, these books will provide you with the knowledge needed to succeed in today’s economy.
- Jessie Moore has been writing professionally for nearly two decades; for the past seven years, she’s focused on writing, ghostwriting, and editing in the finance space.
- Parag Parikh was an Indian fund manager and author who wrote extensively on investing.
- One of the most important aspects to learn about finance is investing.
- “Mastermind of Day Trading” is a unique book that explores rule-based concepts for intraday trading, covering market profile, price action, and effective money management strategies.
Finally, the author explains how the different types of bonds can be combined to create a well-balanced portfolio that caters to different investment goals. The Financial Times Guide to How the Stock Market Really Works provides readers with a comprehensive stock market overview. It covers topics such as how stocks are priced, how stock indices work, and how to read financial news and reports. Written by Scott B. Smart, The Fundamentals of Investing covers stocks, bonds, mutual funds, and retirement planning. The White Coat Investor describes advanced finance and investment concepts all professionals, business owners, and freelancers need to understand.
May 31, 2021
Accounts Receivable Formula: How to Calculate It
A disciplined approach to managing Net Receivables can significantly enhance financial stability and operational efficiency. Net Receivables are a major part of financial management, offering a realistic view of collectible revenue. Understanding and optimizing this metric equips businesses with the tools needed for improved cash flow management and strategic decision-making.

Think of it as a realistic view of what your accounts receivable figure will actually turn into in cash once all customer payments are processed. Subtracting the allowance amount from the total accounts receivable shows a more realistic picture of the money the company actually expects to collect—the net accounts receivable. This helps avoid overestimating their available cash and ensures the balance sheet reflects a more accurate financial picture. Dividing 365 by the accounts receivable turnover ratio yields the accounts receivable turnover in days, which gives the average number of days it takes customers to pay their debts. As you can see in the example below, the accounts receivable balance is driven by the assumption that revenue takes approximately 10 days to be received (on average).

Create a free account to unlock this Template

Each of these eventually adjusts your gross AR, reducing that total to show a truer, collectible value. Some customers will be late, some customers might take advantage of an early payment discount, and some will never pay at all. The formula for net accounts receivable helps give the more realistic outlook about the percentage of gross AR that is collectible. The net accounts receivable formula, by considering these factors, provides a more accurate picture of a company’s upcoming cash flow, enabling better financial planning and decision-making.
- This information can be helpful for the management to assess the efficiency of their credit and collection policies and make adjustments if necessary.
- It may not accurately reflect short-term trends or current collection efficiency.
- DepositFix has helped 1,394,972 clients, generating $241,535,339 in revenue.
- Over time, an optimized approach can significantly improve working capital management.
- The allowance for doubtful accounts is a company’s estimate of the amount of the accounts receivable it anticipates will not be collectible and will need to be recorded as a write-off.
- Accounts receivable turnover is described as a ratio of average accounts receivable for a period divided by the net credit sales for that same period.
Importance in Financial Analysis and Credit Evaluation

In order to help you advance your career, CFI has compiled many resources to assist you along the path. For example, if analyzing fiscal year 2022, you need accounts receivable as of December 31, 2021 and December 31, 2022. Also, a specific identification method may be used in which each debt is individually evaluated regarding the likelihood of being collected. Once a pool of suitable vendors is identified, you evaluate their proposals based on factors such as price competitiveness, past performance, reliability, and capacity to deliver in a timely manner.

Interpretation of Accounts Receivable Turnover Ratio

Some of these goods—say, a shipment of headphones valued at $1,500—arrived late or were damaged upon delivery, so you allow a deduction for average net receivables formula them. And one customer who ordered a batch of tablets worth $7,000 pays for the order in 10 days, earning an early payment discount of $140. Lastly, another customer has bought accessories worth $1,000 but doesn’t pay for the merchandise; this you write off as bad debt.

If we divide $400,000 by $46,000, we see that Primo has AR turnover of 8.7. Not only is this important information for creditors, but it also helps the business more accurately plan its cash flow needs. It also allows the business to examine whether or not their credit policies are too restrictive or too generous. Average net receivables, a financial metric used in accounting and finance, represent the average value of a company’s accounts receivable over a specified period, typically a fiscal year. These accounts receivable consist of amounts owed to the company by its customers for goods or services delivered but not yet paid for. The “net” aspect accounts for allowances for doubtful accounts or potential bad debts.
- By taking into account both beginning and ending balances of accounts receivable over a specific period, businesses can determine the average value owed by customers at any given time.
- Preferred dividends accumulate and must be reported in a company’s financial statement.
- Subtracting the allowance amount from the total accounts receivable shows a more realistic picture of the money the company actually expects to collect—the net accounts receivable.
- These figures can still be found on month-end balance sheets, so it is nearly as easy to use.
- This metric reveals how efficiently your company collects payments from customers.
How Synder simplifies the management of accounts receivable

Thus, this alternative tends to combine a realistic measurement time period and a relatively simple calculation. In such cases, you may want to calculate the average based on the more stable balances before and after the anomaly. Net receivables are shown as an aggregated total on the company’s balance sheet.

Remember that accurate record-keeping is crucial in obtaining precise results when calculating your average net receivables. Utilizing accounting software or working closely with professionals can streamline this process further. If accounts receivable is not collected, it may be written off as a bad debt expense, reducing net income. Businesses typically estimate potential uncollected amounts using an allowance for doubtful accounts to account for this risk. What you learn from your A/R analysis might mean you need to change your credit policies.

It represents the money owed to the company by customers for goods or services delivered but not yet paid for. This metric helps businesses assess the efficiency of their collections process and identify potential cash flow issues. If the number is too high, it may indicate that stricter credit policies or improved collection strategies are needed. The average days to collect accounts receivable, also known as days sales outstanding (DSO), measures how long it takes, on average, for a business to collect payments from customers. A lower number indicates efficient collections, while a higher number may suggest delays in payments.

Managing accounts receivable effectively is crucial for companies regardless of their size. When clients delay payments, it can disrupt cash flow, curtail growth opportunities, and strain resources. A guide explaining the Accounts Receivable Turnover Ratio meaning, how to calculate it, and its limitations. It is recorded as a current asset on the company’s balance sheet and signifies the short-term financial obligations of customers to the business.

How to Calculate Accounts Receivable Turnover Ratio

You would then divide that by 2, since that is how many data points you used, to get the $42,000 figure. When a business sells its product on credit, the customer is invoiced and then given a set time period (often 30 days) to pay. This payment model carries an inherent risk that the customer may default and the business will not be able to collect the money it is owed. Opening accounts receivable represents the accounts receivable balance at the beginning of the accounting period for which a company calculates the average. NAR analysis will help in identifying either patterns in non-paying customers or weaknesses in the collection process, thus offering insights to improve cash flow. Assume that your company has a gross AR of $15,000 for the sale of a batch of electronic goods.

Common Errors in Accounts Receivable Net Calculations

The gross receivables are listed first and are followed by the allowance for doubtful accounts. The allowance for doubtful accounts is a contra-asset account, as it reduces the balance of an asset. Understanding how to manage finances is crucial for any business, and one important aspect of financial management is procurement. Procurement refers to the process of obtaining goods or services from external sources, often involving contracts and negotiations. Make sure to put accounts receivable in the right place on your balance sheet.
February 19, 2021
Bookkeeper360 Review: Pricing, Features, and Top Alternatives Accounting Services
You can also call your bookkeeper or message them in Bench for support whenever you’d like. For technology integration and assistance, the Bookkeeper360 website states that once available, the 360app will be included in all service packages. Other custom integrations are priced per project, and you have to work with the Bookkeeper360 team directly to determine this cost. Similarly, Bookkeeper360 offers Advisory, Coaching and Inventory options for its CFO Advisory services. If you’re a freelancer or small business owner who just needs basic bookkeeping services, FreshBooks offers a streamlined solution at a lower price point than most competitors. While full-service bookkeeping is available as an add-on, the core platform is decidedly self-service, making it best suited for those comfortable managing their own financial records.

HRS360 also provides assistance with federal and state compliance, training videos, employee on-boarding forms and job descriptions. Bookkeeper360 is a Xero partner, so it only works with businesses that use Xero or QuickBooks as their accounting system. Bookkeeper360 can work with a variety of payroll solutions, including top providers like Gusto and ADP. It also gives you the option to integrate Xero with these different solutions to sync your payroll data.

You’re our first priority.Every time.

Bookkeeper360 offers several different services and solutions for business owners — and, because of the variety of its services, the ultimate cost of working with Bookkeeper360 will also vary. Regardless of your plan, Bench connects you with a dedicated bookkeeper with whom you work to set up all of your information and accounts on the Bench platform. Best of all, Bookkeeper360 integrates directly with your favorite payroll solutions like Gusto and ADP.

HR and Payroll Services
- These automated systems can categorize transactions, reconcile accounts, and even predict cash flow patterns with impressive accuracy.
- Eliminate the headaches and cash surprises caused by having messy books and inaccurate financials.
- You also get customization options to your invoices, like adding a font or logo.
- It helps you to get bank feed on any transaction importing, reconciliation, and more.
- You can integrate Xero and seamlessly link your chart account and general ledger to simplify the processes.
The UI and UX are the two most crucial aspects of any SaaS product, and here is why. Using this Bookkeeper’s feature in your business can save you time, avoid penalties and comply with the law. The best part is you can compare your budget and real-time results and see any missed opportunities or discrepancies. Using Bookkeeper360 for your financial reporting ensures you get accurate and in-depth reports.

Accounting for deferred financing costsAccounting for deferred financing costs

If your business situation changes, you can change your chosen Bookkeeper360 service hassle-free. Bookkeeper360 reviews highlight the ease of use of its services as well as the helpfulness and knowledge of its team. Reviewers also generally state how using its services has benefited their business. Bookkeeper360 has an A+ rating from the Better Business Bureau and no listed customer complaints.

InvoiceBerry Review: Features, Pricing, & Alternatives

Our fractional CFO services include a dedicated CFO who will understand the ins and outs of your business. You will be able to effortlessly track revenue, costs, and expenses, as well as tackle payroll management, cash flow, and much more. Bench is a worthy alternative to Bookkeeper360 if you’re looking for a tech-savvy provider that focuses largely on bookkeeping. Bench is also a great option if you don’t already use accounting software — as it has its own bookkeeper360 review software platform.
- The platform also offers excellent collaboration features where you can access data on the go.
- Bench plans start at $299/month and are ideal for remote businesses that need basic bookkeeping.
- Little and often is the key, says Ryan Grundy There’s no getting away from it – if you run a small business, you’ve got to run its bookkeeping too.
- The company’s accounting team of certified experts is also available through the app.
An individual and business filing will cost you $200 and $800 per filing, respectively. This plan also covers tax planning, filing for R&D tax credit, sales and use taxes, and 401(k) planning. Bookkeeper360 is generally a cost-effective solution bookkeeper360 review for bookkeeping and taxes. It started as an online bookkeeping software with an integrated bookkeeping service. You don’t have time to clean up messy books or deal with the IRS notices that result from inaccurate tax filings. Unfortunately, at the moment, there is no Bookkeeper360 rating on Better Business Bureau.

Bookkeeper360: Bookkeeper360 Review: Pricing, Features, and Top Alternatives

Type of federal return filed is based on your personal tax situation and IRS rules. Additional fees apply for Earned Income Credit and certain other additional forms, for state and …. These features are unique to Bookkeeper360 and can help your business have an edge in the marketplace. In addition, there are a ton of resources known as a knowledge base packed with tutorials, articles, FAQs, and more. For example, the onboarding process is quick and simple, with videos and tutorials to sign up.

What type of support options does Bookkeeper360 offer?

Top Consumer Reviews has evaluated and ranked the best bookkeeping services available today. We’ve carefully assessed each option’s features, pricing, and real-world performance to help you make an informed decision. We hope our reviews help you find the perfect bookkeeping solution for your business needs.
January 27, 2021
Bookkeeper360 Review: Pricing, Features, and Top Alternatives Accounting Services
You can also call your bookkeeper or message them in Bench for support whenever you’d like. For technology integration and assistance, the Bookkeeper360 website states that once available, the 360app will be included in all service packages. Other custom integrations are priced per project, and you have to work with the Bookkeeper360 team directly to determine this cost. Similarly, Bookkeeper360 offers Advisory, Coaching and Inventory options for its CFO Advisory services. If you’re a freelancer or small business owner who just needs basic bookkeeping services, FreshBooks offers a streamlined solution at a lower price point than most competitors. While full-service bookkeeping is available as an add-on, the core platform is decidedly self-service, making it best suited for those comfortable managing their own financial records.

HRS360 also provides assistance with federal and state compliance, training videos, employee on-boarding forms and job descriptions. Bookkeeper360 is a Xero partner, so it only works with businesses that use Xero or QuickBooks as their accounting system. Bookkeeper360 can work with a variety of payroll solutions, including top providers like Gusto and ADP. It also gives you the option to integrate Xero with these different solutions to sync your payroll data.

You’re our first priority.Every time.

Bookkeeper360 offers several different services and solutions for business owners — and, because of the variety of its services, the ultimate cost of working with Bookkeeper360 will also vary. Regardless of your plan, Bench connects you with a dedicated bookkeeper with whom you work to set up all of your information and accounts on the Bench platform. Best of all, Bookkeeper360 integrates directly with your favorite payroll solutions like Gusto and ADP.

HR and Payroll Services
- These automated systems can categorize transactions, reconcile accounts, and even predict cash flow patterns with impressive accuracy.
- Eliminate the headaches and cash surprises caused by having messy books and inaccurate financials.
- You also get customization options to your invoices, like adding a font or logo.
- It helps you to get bank feed on any transaction importing, reconciliation, and more.
- You can integrate Xero and seamlessly link your chart account and general ledger to simplify the processes.
The UI and UX are the two most crucial aspects of any SaaS product, and here is why. Using this Bookkeeper’s feature in your business can save you time, avoid penalties and comply with the law. The best part is you can compare your budget and real-time results and see any missed opportunities or discrepancies. Using Bookkeeper360 for your financial reporting ensures you get accurate and in-depth reports.

Accounting for deferred financing costsAccounting for deferred financing costs

If your business situation changes, you can change your chosen Bookkeeper360 service hassle-free. Bookkeeper360 reviews highlight the ease of use of its services as well as the helpfulness and knowledge of its team. Reviewers also generally state how using its services has benefited their business. Bookkeeper360 has an A+ rating from the Better Business Bureau and no listed customer complaints.

InvoiceBerry Review: Features, Pricing, & Alternatives

Our fractional CFO services include a dedicated CFO who will understand the ins and outs of your business. You will be able to effortlessly track revenue, costs, and expenses, as well as tackle payroll management, cash flow, and much more. Bench is a worthy alternative to Bookkeeper360 if you’re looking for a tech-savvy provider that focuses largely on bookkeeping. Bench is also a great option if you don’t already use accounting software — as it has its own bookkeeper360 review software platform.
- The platform also offers excellent collaboration features where you can access data on the go.
- Bench plans start at $299/month and are ideal for remote businesses that need basic bookkeeping.
- Little and often is the key, says Ryan Grundy There’s no getting away from it – if you run a small business, you’ve got to run its bookkeeping too.
- The company’s accounting team of certified experts is also available through the app.
An individual and business filing will cost you $200 and $800 per filing, respectively. This plan also covers tax planning, filing for R&D tax credit, sales and use taxes, and 401(k) planning. Bookkeeper360 is generally a cost-effective solution bookkeeper360 review for bookkeeping and taxes. It started as an online bookkeeping software with an integrated bookkeeping service. You don’t have time to clean up messy books or deal with the IRS notices that result from inaccurate tax filings. Unfortunately, at the moment, there is no Bookkeeper360 rating on Better Business Bureau.

Bookkeeper360: Bookkeeper360 Review: Pricing, Features, and Top Alternatives

Type of federal return filed is based on your personal tax situation and IRS rules. Additional fees apply for Earned Income Credit and certain other additional forms, for state and …. These features are unique to Bookkeeper360 and can help your business have an edge in the marketplace. In addition, there are a ton of resources known as a knowledge base packed with tutorials, articles, FAQs, and more. For example, the onboarding process is quick and simple, with videos and tutorials to sign up.

What type of support options does Bookkeeper360 offer?

Top Consumer Reviews has evaluated and ranked the best bookkeeping services available today. We’ve carefully assessed each option’s features, pricing, and real-world performance to help you make an informed decision. We hope our reviews help you find the perfect bookkeeping solution for your business needs.
January 27, 2021