You purchase a $255,000 house and you pay 20 percent down. you obtain a fixed-rate mortgage the monthly payment is $1203.48
What is a fixed-rate mortgage?Generally, In contrast to loans where the interest rate may change, or "float," throughout the course of the loan's term, a mortgage loan with a fixed rate is one in which the interest rate on the note stays constant during the duration of the loan.
In conclusion, the equation that defines Loan Amount is
Loan Amount = Purchase price - Purchase * 20%
Loan Amount= 255000 * (1-20%)
Loan Amount= 204000
The payment equation is
PMT = PV/(1-(1+r)-n)/r
Where
Rate = 5.85%/12
Number of periods = 360
Hence
PMT =[tex]\frac{204000}{(1-(1+5.85 \%/12)} - \frac{360)}{(5.85\%/12) }[/tex]
PMT = 1203.48
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almost all of the theories regarding the proper role of government suggest that it should provide such as national defense. one of the most important tools the government can use to stabilize the economy is . a.) public goods; spending b.) income redistribution; spending c.) public goods; gdp growth d.) income redistribution; gdp growth
Theories regarding the proper role of government suggest that it should provide option a.) public goods such as national defense. One of the most important tools the government can use to stabilize the economy is option a.) spending.
A public good is any service or commodity available to citizens and administered by the government of that country. The government pays for the public good by taxation.
Public goods are available to all members of the country. It is often free due to public taxation. Defense is one example of public good where the security of the nation is a collective benefit to all the citizens.
Spending is an important tool for the government to stabilize the economy. Government can increase spending to generate demand for goods and services. It will create a rise-up trend in the economy if the economy is facing inflation. Government can also cut spending to cool down the inflation in the economy.
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What are some social media platforms that the social media manager may have to manage?
Some of the platforms that a social media manager would have to manage are the platforms such as:
Instagr/amFace bookTwit/terWhats appWho is a social media manager?This is the term that is used to refer to the job role that a person would have to be given. The social media manager is a person that has to take care of reaching the audience that the business has.
The role that the person would have would have to do with giving information as well as meeting the needs of the consumers concerning the products.
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Instagr/am, Face book, Twit/ter, tele/gram and Whats app are some social media platforms that the social media manager may have to manage.
What is social media?A computer-based tool known as "social media" enables the sharing of concepts, ideas, and knowledge through online communities and networks. Users of social media can rapidly share anything via the internet, including videos, photos, documents, and private information.
Through social media platforms, users can have discussions, exchange information, and create material for the web.
Thus, Instagr/am, Face book, Twit/ter, tele/gram and Whats app.
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skyler paid the following amounts of interest in 2021: $150 on her personal credit card $9,500 on her home mortgage $750 on a personal car loan, which was not used for business $350 on funds borrowed to purchase tax-exempt securities what is her deductible interest for 2021?
$9,500 is her deductible interest for 2021.
In finance and economics, interest is a charge from a borrower or deposit-taking economic group to a lender or depositor of a quantity above reimbursement of the important sum (that is, the quantity borrowed), at a specific charge. It is wonderful from a fee which the borrower can also additionally pay the lender or a few 1/3 parties.
It is likewise wonderful from a dividend that's paid via way of means of a business enterprise to its shareholders (owners) from its profit or reserve, however now no longer at a specific charge determined beforehand, instead on a seasoned rata foundation as a proportion withinside the praise won via way of means of risk-taking marketers whilst the sales earned exceeds the whole costs.
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question content area deferred revenue is revenue that is a.earned and the cash has been received b.not earned and the cash has not been received c.not earned but the cash has been received d.earned but the cash has not been received
Option (c) is the best choice. Deferred revenue is money that has been received but is not yet earned.
Describe deferred revenue with several instances.Unearned income, also referred to as deferred revenue, is the term used to describe advance payments a company receives for products or services that will be supplied or provided in the future. The prepayment recipient company reports the sum as a liability on its balance sheet known as deferred revenue. Money received in advance for goods or services that will be supplied later is referred to as deferred revenue. Rent payments made in advance or annual membership fees paid at the start of the year are common examples of deferred revenue.
Why are obligations for deferred revenue?Deferred revenue is a short-term liability account because, unlike a debt, it relates to goods and services that you owe clients rather than money that you owe them. To accurately record income and expenses in the period they really occurred, accounting often employs deferrals like deferred revenue.
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although the world economy is much more integrated today than was the case 10 or 20 years ago, a variety of barriers still hamper free movements of people, goods, services, and capital across national boundaries. these barriers include
All of the listed barriers hamper free movements of people, goods, services, and capital across national boundaries. So option (d) would be the appropriate response.
Why is freedom of movement regarded as important?One of the single market's four fundamental freedoms, along with the freedom of movement of money, goods, and services, is the freedom of movement. These liberties were codified in the 1957 Treaty of Rome, which founded the European Economic Community, the forerunner of the EU (EEC).
After the Second World War, the concept of freedom of movement was first used to entice individuals to relocate in search of employment. A movable workforce was supposed to enhance the economy of the six founding members of the EU and possibly stave off further warfare on the continent.
Free-movement agreements allow workers to relocate from nations where there are few jobs to others where there are numerous jobs and a shortage of labor.
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The complete question is mentioned below :
Although the world economy is much more integrated today than was the case 10 or 20 years ago, a variety of barriers still hamper free movements of people, goods, services, and capital across national boundaries. These barriers include
a) legal restrictions.
b) excessive transportation costs.
c) information asymmetry.
d) all of the above
if a grievance is not settled by arbitration, the grievance procedure requires the grievant to file the grievance with a district court, who has the final word on the decision. question 19 options: true false
If a grievance is not settled by arbitration, the grievance procedure requires the grievant to file the grievance with a district court, who has the final word on the decision. is a False statement because Arbitration is the last step in the grievance procedure.
How are complaints settled?
Complaint method, in modern relations, process through which conflicts between individual laborers and the board might be settled. Common complaints might incorporate the advancement of one laborer over another who has status, arguments about occasion pay, and issues connected with specialist discipline.
What is the last move toward the complaint cycle on the off chance that it Can't be settled inside?
On the off chance that the complaint stays unsettled through the most elevated levels of the board inside the organization, numerous methods incorporate an arrangement by which an external referee might be brought in to determine the issue. Senior pioneers from the two sides are commonly associated with the discretion interaction.
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live forever life insurance company is selling a perpetuity contract that pays $1,150 monthly. the contract currently sells for $72,000. a. what is the monthly return on this investment vehicle?
The monthly return on this investment vehicle will be 1.14%
What is monthly return ?
Period returns are scaled down to a period of 1 month to provide monthly returns. Investors can now compare the returns of various assets that they have owned for various amounts of time. (Closing Price on Last Day of Month / Closing Price on Last Day of Previous Month) - 1 is the formula for monthly return.
Why are monthly returns important?
The importance of monthly returns
The MFB may ensure that its accounting records are consistently kept up to date and that any unbalanced or unreconciled issues are promptly resolved by preparing returns on a monthly basis.
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an employee recently retired, and the employee received an exit interview, returned a company-issued laptop, and had company-specific programs and applications removed from a personal pc. evaluate this employee's offboarding process and determine what, if anything, remains to be done.
It is required to disable the employee's user account and privileges.
Since the employee recently retired, the individual underwent an exit interview, returned a laptop that was provided by the employer and had company-specific software uninstalled from a personal computer. All of this points to an appropriate offboarding procedure. Additionally, the user account and rights of the employee must be disabled.
Resetting the employee's email password is crucial once they leave. Data loss could occur if this offboarding method is not followed, which would have major repercussions. Up until their account is cancelled, active contacts will still be able to access the organization's mail and other vital portals. To prevent access to any modules or information, it is advised to remove the user's permissions while their account is still active. This way, all internal administrative tasks pertaining to the user can be finished before their account is deactivated leading to an efficient offboarding.
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ashburn company issued 16-year bonds two years ago at a coupon rate of 8.5 percent. the bonds make semiannual payments. if these bonds currently sell for 109 percent of par value, what is the ytm?
Ashburn company issued 16-year bonds two years ago at a coupon rate of 8.5 percent. the bonds make semiannual payments. the YTM is 7.44%
What is the YTM?Generally, the given parameters are
Future value = 100
present value = 109
Coupon,= 0.085 * 100
Coupon,= 8.5
Maturity 14 years
Therefore
YTM = [C + (FV-PV)/n] / (FV+PV)/2
Where
Future value is FV
present value PV
[tex]YTM= [8.5 + (100 - 109)/14] / (100+109)/2[/tex]
YTM = 0.0744
In conclusion, the YTM is 7.44%
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eli, a 42 year old computer expert, applied at a software firm, but he was not given the job. he was told that the firm was looking for someone who can design software for the younger generation who use mobile technology. which act did this firm violate?
From the given information, This firm violate Age discrimination in employment act.
The Age Discrimination in Employment Act (ADEA), a federal law in the United States, shields people 40 years of age and over from age-based employment discrimination. The ADEA cites the following instances of age discrimination in the workplace:
Not hiring someone because the company desires someone younger-looking in the position.If a person is given a poor performance assessment because they were too jaded or rigid to take on new tasks.A person is fired because management wants to hire and keep younger, less expensive employees.Refusing to promote someone because they believe they are "too old" or that the role needs "fresh blood."Most of the people laid off when a corporation announces layoffs are older, whereas younger employees with less seniority and less work experience are retained.Before letting someone go, supervisors or management made age-related comments about them, calling them "old," "over-the-hill," or "an old man or lady."Learn more about Age Discrimination in Employment Act (ADEA), here
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How many job openings are projected for Community Health Workers across the
United States between 2019-2029?
64,900
7,600
362,600
2,109
Between 2019 and 2029, the United States is expected to have 362,600 job openings for Community Health Workers. On average, 16,000 openings for health education specialists and community health workers are expected each year over the next decade.
What is health education?Health education is a profession that teaches people about their health. Environmental health, physical health, social health, emotional health, intellectual health, spiritual health, and sexual and reproductive health education are all areas covered by this profession. Health education entails communicating information about the underlying social, economic, and environmental conditions that affect health, as well as individual risk factors and risk behaviors, and how to use the health care system.A good education is the foundation for good health and well-being. People need knowledge to prevent sickness and disease in order to live healthy and productive lives. Children and adolescents must be well-nourished and healthy in order to learn.To learn more about health education, refer to:
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What was the economic foundation of colonial rule in mexico and peru? how did it shape the kinds of societies that arose there?.
In Mexico and Peru, commercial agriculture was the economic foundation of colonial rule. Silver and gold mining was also the economic foundation of colonial rule in Mexico and Peru.
What is commercial agriculture?Commercial agriculture, also known as agribusiness, is a cropping method in which crops and livestock are raised in order to sell the products on the market and profit.In Mexico and Peru, commercial agriculture was the economic foundation of colonial rule. Silver and gold mining was also the economic foundation of colonial rule in Mexico and Peru. Because there was a very distinct social order in the society, this economic foundation greatly shaped the types of societies that arose.Commercial farming necessitates the use of modern technology, specifically heavy machinery, irrigation methods, chemical fertilizers, and pesticides. Crops that are in high demand in commercial farming are those that must be exported to other countries.To learn more about commercial agriculture refer to :
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it is fair to say that monetizing the benefits of environmental improvements is challenging. some researchers have therefore argued that policymakers should themselves determine the goals of environmental policies in terms of how much pollution abatement should be required, and then incentive-based environmental policy instruments should be used to achieve these goals in a cost-effective manor. examples of such incentive-based policies include all of the following except: select one: a. taxes on pollution. b. tradeable permits. c. subsidies to abatement. d. command-and-control policies.
Option (b) is the best choice. All of the following, with the exception of tradeable permits, are instances of such incentive-based regulations.
What are tradeable licenses?A tool of economic policy that allows for the free or restricted exchange of permits for the use of resources or the release of pollution.
Production technologies and management practices that are relatively intense in the emission of a given pollutant lose some of their market appeal as a result of a tradeable permit system since it raises the opportunity cost associated with doing so.
What are two devices based on incentives or the economy?Economic theory and modeling exercises suggest that incentive-based instruments like pollution fees and tradeable permits are more economical than conventional forms of regulation.
What kinds of environmental regulations function as incentives?Fees, charges, and taxes are frequently employed incentives that typically impose a monetary charge (or fee, tax, or fee) on each unit of waste or pollutant emissions in order to lower the overall quantity.
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frequent deposits and checks in rounded and the same amounts, short time lags between deposits and withdrawals, and a low average balance compared to high levels of deposits, are all characteristic signs of a(n)
The above mentioned are all characteristic signs of Check kiting.
Check kiting or cheque kiting is a shape of check fraud, involving taking advantage of the go with the flow to utilize non-existent finances in a checking or different financial institution account. on this way, in place of being used as a negotiable device, checks are misused as a form of unauthorized credit.
Additionally known as flagging, check kiting is a shape of check fraud. It makes use of waft (the time it takes for a take a look at to clear) to make use of non-existent money in a bank account. In essence, kiting turns horrific assessments into a form of unauthorized credit score, and that's horrific information for banks.
Take a look at kiting, fraud dedicated in opposition to a banking organization wherein get admission to is won to deposited price range in a single account earlier than they can be gathered from another account upon which they're drawn. The scheme typically entails numerous checking debts at several distinctive banks.
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What term refers to business organizations formed to control the supply of goods and services in an effort to drive up prices and profits?
A. mergers
B. bankruptcies
c. cartels
D. tariffs
When a business organization is formed to be able to control supply such that they can drive up prices and profits, this is called a C. Cartel.
What are cartels?Cartels refer to a business organizations which are a conglomeration of different organizations that are influential in an industry. By coming together and pooling operations, these organizations are able to influence the prices of goods and services.
This is simply because they control the flow of goods and services. And by controlling this supply, they decide the price. They could then drive up these prices to make more profit.
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what type of analytics takes past purchasing data as inputs into a model that recommends the best pricing strategy across all flights allowing an airl
prescriptive analytics is the answer .
What is prescriptive analytics ?
The technique of analyzing data to decide on the best course of action is known as prescriptive analytics. This kind of analysis results in suggestions for the following stages by taking into account all pertinent aspects. Prescriptive analytics is a useful tool for data-driven decision-making as a result.
Prescriptive analytics frequently use machine-learning algorithms to process enormous volumes of data more quickly—and frequently more effectively—than people. Algorithms search through data and offer suggestions depending on a particular set of requirements using "if" and "else" expressions. For instance, the algorithm may suggest extra training if at least 50% of customers in a dataset indicated that they were "extremely dissatisfied" with your customer support staff.
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physical capital includes: question 31 options: a) manufactured products that are used to produce other goods and services. b) land and raw resources that come from land. c) the physical talents of people. d) the ability to take physical resources and use them in creative ways to produce goods and services.
Physical capital includes land and raw resources that come from land.
What is physical capital?Physical capital is one of the three primary factors of production in economics. Physical capital is the machinery that is used to generate commodities and services. Physical capital refers to the concrete things that people have produced to help and support manufacturing. Physical capital comprises items like inventory, cash, equipment, and real estate. Capital goods are among the most crucial elements of a corporation's operation. A firm can typically maintain liquidity while growing operations with capital, which refers to tangible assets in a corporation and the method through which a company acquired its physical capital. When considering how firms have raised money, it is important to consider both physical capital and human capital.
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true or false: the completeness assertion is only concerned with whether all transactions and events that should have been recorded are included in the financial statements.
True . The completeness assertion concerns the recording of all transactions and events that took place throughout the period.
What is assertion ?Financial statement assertions are declarations or guarantees made by businesses on the correctness of the data in their financial statements. The balance sheet, income statement, and cash flow statement are some of these statements. These claims, often known as management assertions, may be tacit or explicit.
They serve as the official declaration that the presented statistics accurately depict the company's assets and liabilities in accordance with the relevant rules for their measurement and recognition.
This claim confirms that the financial statements are complete and contain all information that must be disclosed for a specific accounting period. A company's whole inventory is also stated to be included in the assertion of completeness.
When a financial statement is said to be complete, it means that all of the transactions it contains happened within the accounting period it covers and that it contains all of the transactions that happened during that period.
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a company assigns overhead based on direct labor costs. the predetermined overhead rate is $3.00 per direct labor dollar. a job that used a total of 20 direct labor hours ($400 in total direct labor costs) would be assigned $
Answer: $1200
Explanation:
one-year treasury securities yield 4.65%. the market anticipates that 1 year from now, 1-year treasury securities will yield 5.4%. if the pure expectations theory is correct, what is the yield today for 2-year treasury securities? calculate the yield using a geometric average. do not round intermediate calculations. round your answer to two decimal places.
The yield today for 2-year treasury securities is 5.02%.
What are treasury securities?Treasury securities, which include Treasury bills, notes, and bonds, are debt obligations issued by the United States Treasury. Treasury securities are regarded as one of the safest investments since they are backed by the United States government's full faith and credit.
The yield will be calculated thus:
2-yr T-sec Yield = [(1 + 1-yr Yield) * {1 + E(1-yr rate, 1 yr frm now)}]^1/2- 1
= [(1 + 0.0465) * (1 + 0.054)]^1/2 - 1
= [1.1030]0.5 - 1
= 1.0502 - 1
= 0.0502, or 5.02%
The yield is 5.02%.
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of the feasible and efficient points on the production possibilities curve (ppc) above, producing at which point will lead to the most economic growth in the future?
Point N of the production possibilities curve is the point which will lead to the most economic growth in the future.
What is production possibilities curve and how this point will lead to the most economic growth?Production possibilities curve that is ppc curve is a curve between capital goods and consumer goods.In the graph is mentioned several points and the shape of the curve is parabola.Here the question is asked about the point with most economic growth in the future.And the answer will be point N which will depict the most economically productive point.Hence of the feasible and efficient points on the ppc , producing at point N the production will be most.To know more about production visit:
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business-to-business firms generally use three types of segmentation. what is one of them? multiple choice lifestyle segmentation behavioral segmentation vals segmentation attitude segmentation motivation segmentation
Markets can be divided geographically, demographically, or behaviorally, among other ways.
Which three main types of segmentation are there?Segmentation of Psychographic Data. The consumer's values, beliefs, perceptions, attitudes, interests, and behaviors are addressed by this method of segmentation.Segmentation of the Population...Geographical division.What are the three psychographic segments of the market?Personality, Lifestyle, Social Status, AIO (Activities, Interests, Opinions), and Attitudes are the five psychographic segmentation variables that can be used to prepare homogeneous segments for proper research.
Product positioning, market segmentation, and market targeting make up the three-step funnel. During the phase of your research-based market segmentation, you want to determine important characteristics that will set each market segment apart and establish a foundation for segmenting your target customers.
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As a ground control employee at the airport, neal uses hand signals to guide the planes to the tarmac. Which element of nonverbal communication is neal using?.
Based on the fact that Neal who is a ground control employee at the airport uses hand signals to guide the planes to the tarmac, the element of nonverbal communication which Neal is using is known as gestures
What is Non-Verbal Communication?This refers to the type of communication that is used by a person to send a message to a person and to receive feedback and some examples or elements of this nonverbal communication include the use of expressions, gestures, paralinguistics, etc
Hence, we can see that because Neal uses hand signals in order to direct the planes onto the tarmac based on his job description as a ground control employee at the airport, he is making use of gestures.
With this in mind and from the given explanation, it can be seen that the element of nonverbal communication which Neal is using is known as gestures
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the haircut for gbp and eur is 6%, while the haircut for zar and brl is 20%. there is no haircut for usd positions. what is the total haircut in usd on the positions in the accompanying spreadsheet?
Global strategic planning is the process of developing a multinational organization's strategic plan by examining its internal and external environments.
What is global business plan?The global business plan serves as a strategic guide on which the organization relies to make key business decisions as it enters an international market. Key stakeholders and investors use the global business plan to guide their investment decisions. Other global corporations include Hilton and Hyatt Hotels, Adobe, Cisco, 3M, Monsanto, and American Express. These businesses range from hospitality to technology and manufacturing. This demonstrates the existence of various types of global corporations. Include a definition of the nature and scope of your business, as well as the product or service you offer, in your global business plan. Outline the geographic area you've chosen and explain why it's a good fit for your company.To learn more about global business plan, refer to:
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melvin charges a fee of $1,080 for merchandise purchased by a customer. assuming that the amount includes 8% of sales tax, melvin should credit sales tax payable for:
Melvin should credit $80 in sales tax payable (reference: $1,080 - (1,080/1.08)).
Tax are mandatory financial charges or some other type of levy imposed upon a taxpayer by a governmental organization in order to fund various public expenditures. Failure to pay, as well as evasion or resistance to taxation, is illegal and punishable by law.
Taxes can be direct or indirect, and they can be paid in cash or in sales tax. The purpose of taxation is to finance public goods and services such as roads, schools, and national defense.
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purchased goodwill should be written off as soon as possible against retained earnings. be written off as soon as possible as an extraordinary item. be written off by systematic charges as a regular operating expense over the period benefited. be tested for impairment.
Purchased goodwill should be written off as soon as possible against retained earnings as an extraordinary item.
The net cost of merchandise acquired is the cost of goods purchased. Add freight to the initial purchase cost before subtracting purchase allowances, purchase discounts, and purchase returns.
Stationery purchased by a stationer is referred to as "Purchases." Cloth purchased from a cloth merchant is referred to as "Purchases." Cement purchased from a cement dealer is referred to as "Purchases."
This is an incomplete question the complete question will be
Purchased goodwill should
a) be written off as soon as possible against retained earnings.
b) be written off as soon as possible as an extraordinary item.
c) be written off by systematic charges as a regular operating expense over the period benefited.
d) not be amortized.
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the two important accounting issues related to self-constructed assets are multiple choice question. interest charges and date placed in service. historical cost and useful life. allocation of overhead and depreciation rates. interest charges and allocation of overhead.
The allocation of overhead and the management of interest costs are the two crucial accounting concerns pertaining to self-constructed assets.
The distribution of indirect expenses to manufactured commodities is known as overhead allocation. The regulations of several accounting frameworks mandate it. The overhead allocation method may be significant in many firms where the quantity of overhead to be allocated is significantly more than the direct cost of goods.
Examples include office utilities and rent, administrative pay, marketing expenses, general liability insurance, and many more. G&A helps you take on and bill work; yet, despite variations in your job development and labor, they are, in one sense, rather consistent.
Typically, interest costs are added to the profit and loss statement. However, such interest expenditure (borrowing cost) should be capitalized to cost of the underlying asset if specific conditions stated for capitalization as per AS 16 Borrowing Costs are met.
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every summer, when peaches are in season, the price of peaches is very low. however, the beach house rental price is very high in summer. please apply the three-step approach to explain what happens in the peach market and beach house market, respectively. how does this decide whether this event shifts the supply or demand curve?
When the price of peaches is falling but at the same time the price for a beach house is rising, the change will be an increase in the demand due to the low peach price and a fall in the supply because of the high cost of the rent.
The supply curve shifts to the left and the demand curve shifts to the right.
The new market equilibrium will be at point B in the graph, with prices rising and quantities remaining the same.
The demand curve, in economics, is an image illustration of the relationship between product price and the amount of the product demanded.
It is drawn with a charge on the vertical axis of the graph and quantity demanded on the horizontal axis.
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the difference between a broker and a dealer is group of answer choices brokers bring together buyers and sellers, but carry no inventory; dealers stand ready to buy and sell from their inventory. dealers sell drugs; brokers sell houses. brokers transact in stocks and bonds; currency is bought and sold through dealers. none of the options
The difference between a broker and dealer .a dealer is that brokers bring buyers and sellers together, but they don't have any inventory. Sellers are ready to buy and sell from their inventory.
Dealers are those representatives who work for themselves. In the financial market, dealers can be both private individuals and legal entities that allow them to trade financial assets themselves. Opening business opportunities for others is the job of a broker. In addition, commission brokers can be either people or businesses.
In the context of the financial market, the key difference between a dealer and a broker is that dealers may hold some inventory while engaging in their own trading. They buy and sell using their inventory. Brokers have no inventory of their own as they are only financial intermediaries who can connect two dealers. As a result, brokers own no inventory of their own; instead, they only search for the right customers and sellers.
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which of the following statements regarding the flow of information from the adjusted trial balance on the end-of-period spreadsheet is true? a.the revenue and expense account balances flow into the statement of owner's equity. b.the asset and liability account balances flow into the statement of owner's equity. c.the revenue and expense account balances flow into the income statement. d.the owner's equity and drawing account balances flow into the balance sheet.
True statements regarding the flow of information from the adjusted trial balance are that the revenue and expense account balances flow into the income statement.
An adjusted trial balance is produced after any adjustments, and it displays the balances of the general ledger accounts. These adjustments frequently include depreciation, prepaid charges, accruing costs, and other non-cash expenditures.
The transactions a business makes throughout a single accounting cycle are recorded on an adjusted trial balance sheet. This can be done by collecting the balances of each account and eliminating information about transactions that didn't happen during the accounting cycle.
Despite the fact that the adjusted account balances will be included in the financial statements, the adjusted trial balance is not a financial statement. Both the adjusted trial balance and the unadjusted trial balance must have total debit balances that are equal to the total credit balances.
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