The right option depends on your financial goals, plans, and attitude toward risk. Before deciding, it’s always worth speaking to a mortgage advisor who can assess your circumstances and help you find the best deal. Life Retail Accounting CoachingCoaching workshops on topics relevant to your small businesses. For instance, if you live in a cold […]

The carrying value of a bond significantly impacts its representation on the balance sheet and overall financial ratios. Adjusting this figure over time requires adherence to accounting standards and a thorough understanding of how bond amortization affects financial reporting. The carrying value evolves as discounts or premiums are amortized, aligning with the face value by

It has an interest expense attached to it, which is the cost of borrowing money. The cash received from borrowing money is then used to purchase an asset and fund the operations of a business, which in turn generates revenues for a company. In the long term, capital assets like buildings and can be used

We formally test the default risk premium hypothesis using the standard factor-risk pricing approach of Fama and MacBeth (1973). To measure systemic default risk, we track monthly changes in the charge-off rate for the overall credit card lending market. Then, we estimate how sensitive different credit card FICO portfolios are to this risk by regressing

The firm carries out bookkeeping and accounting solutions such as bank account reconciliation, general ledger cleanup, and balance sheet generation. Its bookkeepers analyze trends and provide recommendations, identify lost checks, manage funds and cash flow, and track revenues and expenses. Its CEO, Cindy Dillard, has been in the accounting industry for more than 20 years.