Show Examples and Samples of Balance Sheet 2008-2023

This answer still gets a lot of attention, so I want to point out that it was written in 2011. A lot has changed in the payments industry since then.Square is what is known as an "aggregator", meaning they are the Merchant of Record (MOR) for the transactions they process. They are essentially allowing their customers to use their merchant account for the purposes of collecting credit card payments. PayPal employs essentially the same model.Stripe may also be acting as an aggregator, but appear to be going about it in a different way. Their terms of service state "Stripe may use your information to apply for card merchant acquiring accounts on your behalf…" (https://stripe.com/terms). Also, Ross Boucher from Stripe has said "Stripe is not the merchant of record" in For payment processing, how do Stripe and Samurai (FeeFighters) compare?.As the original question points out, the advantage to the above payment models is the somewhat faster sign-up process. Merchants can begin accepting credit cards right after they fill out the form. The downside for payments companies like Square, PayPal and presumably Stripe (and others who would embrace the aggregator model) is that they take on substantial risk from their merchants, which creates some side effects. In particular, they wind up with an unusually high burden of loss prevention.Due to the lightweight due diligence that facilitated the abbreviated sign-up process, the aggregator fundamentally knows less about the merchants they are working with, but they have a strong financial incentive to err on the side of their own safety. So if the aggregator sees something that they think could present an increased risk to them (e.g. a change in the merchant’s business model, larger than expected transactions, higher than expected sales volumes, international sales, or chargebacks) they may be compelled to immediately mitigate the risk by changing conditions for the merchant. This can put the aggregator in an adversarial relationship with the merchant, as they put into place reserves or limits, withhold payout, or even shut down a merchant’s ability to collect payments, all without negotiation or warning.PayPal has earned a particularly negative reputation in this regard - try googling for "PayPal shut me down" or "PayPal steals Christmas". To be clear, I have not heard any stories of Square or Stripe behaving in this manner toward merchants, I'm just pointing out that their model appears to have the same incentives built-in as PayPal's.As the risk falls to the aggregator, to become one is a bit difficult. The banks are very careful about who they would work with in this type of model. They would probably look for a company with both risk management experience and a strong balance sheet (i.e. a lot of cash). For a startup, that would almost certainly mean backing from a major institutional investor. It's worth noting that PayPal, Square, and Stripe all had early backing from investors with deep pockets.The alternate approach is for a payment company to help merchants get their own merchant account, so they can be their own MOR. This is the approach that Braintree takes (DISCLOSURE: I work at Braintree). While this approach requires a little more effort from the merchant during the application process, it enables Braintree to have a much better understanding of our customers, which greatly reduces the chance that a merchant will encounter problems processing payments as their business grows.

You can't just fill out a business plan as you need to construct it from the whole set of information that includes the profit and loss account and other items. A layman will not be able to do this properly so seek out a friend who can give you the advice on how to prepare a proper plan. Doing it in an amateur way will not impressed anyone.

When cross-checking a 3-statement model, these are the basic adjustments on the balance sheet:Add depreciation expense to the accumulated depreciation. Be sure to add that non-cash expense to your cash as well. Adjust your cash balances with you accounts receivables and payables agings. Assuming you have added a A/R, A/P analysis to your model. Add to your fixed assets. Be sure to include this in your depreciation model. Reduce Amortization of any liabilities. Add any additional funding to your equity if capital or liability if debt. Add to cash accounts, accordingly.Finally, make sure your retained earnings are added from the Net Income section (and not Net Cash Flow). Then, subtract any dividend payments to the shareholders. A good way to understand your model is to create a Cash Flow Statement. I prefer to use the Indirect Method. Hope this helps.

The only confident way of creating balance sheets is if you become a qualified accountant, as alluded to by the other answers.  If you simply want to understand balance sheets, you can attend a course for non-financial people, if such courses are available in your area.  Term sheets require more than number manipulation to create.  If you go ahead and try to create balance sheets with insufficient skill, the consequences will depend on how you use the balance sheets, or term sheets, or revenue models.

NOOOOOOO. You are talking to a military romance scammer. I received an email from the US Army that directly answers your question that is pasted below please keep reading.I believe you are the victim of a military Romance Scam whereas the person you are talking to is a foreign national posing as an American Soldier claiming to be stationed overseas on a peacekeeping mission. That's the key to the scam they always claim to be on a peacekeeping mission.Part of their scam is saying that they have no access to their money that their mission is highly dangerous.If your boyfriend girlfriend/future husband/wife is asking you to do the following or has exhibited this behavior, it is a most likely a scam:Moves to private messaging site immediately after meeting you on Facebook or SnapChat or Instagram or some dating or social media site. Often times they delete the site you met them on right after they asked you to move to a more private messaging siteProfesses love to you very quickly & seems to quote poems and song lyrics along with using their own sort of broken language, as they profess their love and devotion quickly. They also showed concern for your health and love for your family.Promises marriage as soon as he/she gets to state for leave that they asked you to pay for.They Requests money (wire transfers) and Amazon, iTune ,Verizon, etc gift cards, for medicine, religious practices, and leaves to come home, internet access, complete job assignments, help sick friend, get him out of trouble, or anything that sounds fishy.The military does provide all the soldier needs including food medical Care and transportation for leave. Trust me, I lived it, you are probably being scammed. I am just trying to show you examples that you are most likely being connned.Below is an email response I received after I sent an inquiry to the US government when I discovered I was scammed. I received this wonderful response back with lots of useful links on how to find and report your scammer. And how to learn more about Romance Scams.Right now you can also copy the picture he gave you and do a google image search and you will hopefully see the pictures of the real person he is impersonating. this doesn't always work and take some digging. if you find the real person you can direct message them and alert them that their image is being used for scamming.Good Luck to you and I'm sorry this may be happening to you. please continue reading the government response I received below it's very informative.   You have contacted an email that is monitored by the U.S. Army Criminal Investigation Command. Unfortunately, this is a common concern. We assure you there is never any reason to send money to anyone claiming to be a Soldier online. If you have only spoken with this person online, it is likely they are not a U.S. Soldier at all. If this is a suspected imposter social media profile, we urge you to report it to that platform as soon as possible. Please continue reading for more resources and answers to other frequently asked questions:  How to report an imposter Facebook profile: Caution-https://www.facebook.com/help/16... < Caution-https://www.facebook.com/help/16... >   Answers to frequently asked questions:  - Soldiers and their loved ones are not charged money so that the Soldier can go on leave.  - Soldiers are not charged money for secure communications or leave.  - Soldiers do not need permission to get married.  - Soldiers emails are in this format: [email protected] < Caution-mailto: [email protected] > anything ending in .us or .com is not an official email account.  - Soldiers have medical insurance, which pays for their medical costs when treated at civilian health care facilities worldwide – family and friends do not need to pay their medical expenses.  - Military aircraft are not used to transport Privately Owned Vehicles.  - Army financial offices are not used to help Soldiers buy or sell items of any kind.  - Soldiers deployed to Combat Zones do not need to solicit money from the public to feed or house themselves or their troops.  - Deployed Soldiers do not find large unclaimed sums of money and need your help to get that money out of the country.  Anyone who tells you one of the above-listed conditions/circumstances is true is likely posing as a Soldier and trying to steal money from you.  We would urge you to immediately cease all contact with this individual.  For more information on avoiding online scams and to report this crime, please see the following sites and articles:   This article may help clarify some of the tricks social media scammers try to use to take advantage of people: Caution-https://www.army.mil/article/61432/< Caution-https://www.army.mil/article/61432/>   CID advises vigilance against 'romance scams,' scammers impersonating Soldiers  Caution-https://www.army.mil/article/180749 < Caution-https://www.army.mil/article/180749 >   FBI Internet Crime Complaint Center: Caution-http://www.ic3.gov/default.aspx< Caution-http://www.ic3.gov/default.aspx>   U.S. Army investigators warn public against romance scams: Caution-https://www.army.mil/article/130...< Caution-https://www.army.mil/article/130...>   DOD warns troops, families to be cybercrime smart -Caution-http://www.army.mil/article/1450...< Caution-http://www.army.mil/article/1450...>   Use caution with social networking  Caution-https://www.army.mil/article/146...< Caution-https://www.army.mil/article/146...>    Please see our frequently asked questions section under scams and legal issues. Caution-http://www.army.mil/faq/ < Caution-http://www.army.mil/faq/ > or visit Caution-http://www.cid.army.mil/ < Caution-http://www.cid.army.mil/ >.  The challenge with most scams is determining if an individual is a legitimate member of the US Army. Based on the Privacy Act of 1974, we cannot provide this information. If concerned about a scam you may contact the Better Business Bureau (if it involves a solicitation for money), or local law enforcement. If you're involved in a Facebook or dating site scam, you are free to contact us direct; (571) 305-4056.   If you have a social security number, you can find information about Soldiers online at Caution-https://www.dmdc.osd.mil/appj/sc... < Caution-https://www.dmdc.osd.mil/appj/sc... > . While this is a free search, it does not help you locate a retiree, but it can tell you if the Soldier is active duty or not.  If more information is needed such as current duty station or location, you can contact the Commander Soldier's Records Data Center (SRDC) by phone or mail and they will help you locate individuals on active duty only, not retirees. There is a fee of $3.50 for businesses to use this service. The check or money order must be made out to the U.S. Treasury. It is not refundable. The address is:  Commander Soldier's Records Data Center (SRDC) 8899 East 56th Street Indianapolis, IN 46249-5301 Phone: 1-866-771-6357  In addition, it is not possible to remove social networking site profiles without legitimate proof of identity theft or a scam. If you suspect fraud on this site, take a screenshot of any advances for money or impersonations and report the account on the social networking platform immediately.  Please submit all information you have on this incident to Caution-www.ic3.gov < Caution-http://www.ic3.gov > (FBI website, Internet Criminal Complaint Center), immediately stop contact with the scammer (you are potentially providing them more information which can be used to scam you), and learn how to protect yourself against these scams at Caution-http://www.ftc.gov < Caution-http://www.ftc.gov > (Federal Trade Commission's website)

This is what a schedule C I submitted earlier looks like :http://onemoredime.com/wp-conten... So I did not submit page 2 of the schedule C - all the lines on page 2 (33 through 48) were blank.

To start, for the sake of accuracy, let’s make some clarifications.Amazon recorded a provision for income taxes in 2018 of $1.2 billion. Of this amount, $436 million was provisioned for U.S. Federal Taxes, $327 million for U.S. State Taxes and $434 million for International Taxes.Out of the U.S. Federal Tax amount, $565 million was deferred and negative $129 million (i.e. “less than zero”) was provisioned for current-year obligations:Source: Amazon 10-K (2018) (Note 9, p. 62)In accounting-speak, “provision” is a fancy way of saying “estimate”. For example, in 2018, the tax provision includes a “one-time provisional tax benefit of the U.S. Tax Act recognized in 2017”. The Tax Cuts and Jobs Act of 2017[1] reduced the corporate tax rate from 35% to 21%, and this shows up as a benefit for profit-generating corporations like Amazon. Translation: what happened here is that the previously estimated figure was re-estimated based on recent changes in tax laws.Actual taxes paid are another matter, although it just so happens that for 2018 they were pretty much the same (also $1.2 billion). Normally, these numbers are different. Amazon’s 10-K does not provide a breakdown of this amount between U.S. Federal, U.S. State and International.With this out of the way, let’s look at how Amazon managed to reduce its current-year U.S. Federal taxable income to the point where it could record a negative provision in 2018. Our tax code is complicated, and this means there are a lot of tricks that you can do to legally reduce taxes or push them out as far into the future as possible.Aggressive re-investment. Amazon plays in a number of sectors that (i) feature signNow long-term growth opportunities and (ii) require signNow capital or technology investment to capture. Historically, the company has re-invested nearly all of its growth back into the business, including the creation of entirely new market segments from scratch — e.g. how it parlayed internal technology services into a third-party business (Amazon Web Services) that is now the largest contributor to consolidated group operating profit. Heavy re-investment, whether through capital assets (more on this below) or hiring of high-salaried technology workers, will serve to reduce taxable income.It took a long time before Amazon started generating GAAP[2] profits. Even after it started generating GAAP profits, the company still had to burn through all of the tax losses accumulated in the earlier, ramp-up years. It wasn’t until 2009 that Amazon’s retained earnings account on the balance sheet turned positive. And it has only been the last couple years where the company has really started to see its profits increase to substantial levels relative to its market cap.On top of this, remember that U.S. companies keep two sets of books, one for GAAP accounting and the other for taxes. This is perfectly legal, as the rules for tax treatment are often very different than GAAP treatment. This means that even as its accumulated GAAP earnings finally caught up in 2009, accumulated losses for tax purposes would take much longer to burn up.One of the key GAAP vs. tax accounting differences that Amazon takes advantage of is accelerated depreciation.Accelerated depreciation. Amazon is a capital-intensive business that requires signNow capital to grow, both for its core e-commerce operation (logistics and fulfillment) as well as its technology services (Amazon Web Services). For e-commerce, it invests in warehouses and the equipment and machinery within the warehouses. For cloud/technology services, it invests in servers, networking equipment and some capitalized software development to expand capacity to meet both internal needs and that of third-party customers.These investments are typically made via something called a “capital lease”. Capital leases allow companies to finance the purchase of long-lived assets, but for tax purposes treat them like normal capital assets. As a capital asset, the company can take a depreciation charge for tax accounting purposes. Companies typically try to “accelerate” as much of the depreciation as possible, which has the net effect reducing current-year taxable income by pushing profits farther out into the future.This accelerated depreciation shows up in something called “deferred taxes”. When a company pushes taxable income into the future, this shows up as a future liability on the balance sheet through the deferred tax liability account. To the extent tax laws stay the same, at some point the company will need to pay those taxes. Of course, most companies, Amazon included, try their best to push the actual bill as far out into the future as possible.Other cool tricks. Interestingly, the largest adjustment to Amazon’s 2018 income tax provision was an adjustment made for stock-based compensation.Stock-based compensation arises when companies like Amazon issue stock options to employees. When equity is awarded to employees, a complicated calculation is performed — typically by the HR department — to calculate the value of the equity, using models with fancy-sounding names (e.g. the “Black-Scholes”[3] formula).However, in the time from when the equity award was issued to when it was exercised, the share price invariably changes. In the case of Amazon, the direction has historically been upwards, often at a very steep slope!When this happens, tax accounting rules[4] allow the company to calculate how much higher the realized equity award was compared to the original estimate. The difference between these two numbers gives rise to something called “excess tax benefits from stock-based compensation” and has the effective of lowering current-year income tax provisions.This is one reason why companies love to issue options!Profit-shifting. Another common practice is maximizing the allocation profits to overseas entities in jurisdictions where tax rates are lower. The most profitable segment within Amazon is its cloud/technology services division, and a not-insignNow proportion of these revenues are generated overseas. As I discuss here[5], because of the intangible nature of technology and software services, it is quite easy to structure things so that a big chunk of these profits are recognized offshore to lower the overall tax bill.In my view, Amazon is actually not as aggressive compared to some other technology companies at shifting profits overseas. A big part of this is, as described earlier, Amazon does not generate signNow profits to begin with (again, relative to its market cap). The other reason is that a signNow amount of its profit is actually generated onshore vs. offshore. For example, its International operations are barely profitable (as you can see in the first table above).However, as the company’s profits start to signNowly ramp up, expect more of an effort to use international tax havens like Ireland and the British Virgin Islands to minimize its overall tax bill.As it states in its 10-K (p. 63) , “we intend to invest substantially all of our foreign subsidiary earnings, as well as our capital in our foreign subsidiaries, indefinitely outside of the U.S. in those jurisdictions in which we would incur signNow, additional costs upon repatriation of such amounts.”I just want to add that even though Amazon’s corporate tax bill is relatively low (or even non-existent) at the federal level, the company is still responsible for generating signNow tax revenue when you analyze things holistically. Amazon pays tens of billions of dollars in wage and compensation income to its employees, the majority of whom are based in the United States. A signNow portion of the wages will fill government coffers in the form of federal and state-level income taxes.Its spending (on capital leases and other non-compensation related expenses) also indirectly generates taxable income for other companies in its eco-system.Finally, unlike many other multinational corporations, Amazon is actually heavily investing back into the United States, both in terms of hiring workers and investing in next-generation warehouse and datacenter operations.Footnotes[1] https://www.govinfo.gov/content/...[2] Generally Accepted Accounting Principles (United States) - Wikipedia[3] Black Scholes Model[4] Proposed ASU—Compensation—Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting[5] Glenn Luk's answer to Where does the money I pay for an iPhone go?

The purpose of a balance sheet is to give interested parties an idea of the company's financial position, in addition to displaying what the company owns and owes. It is important that all investors know how to use, analyze and read a balance sheet. A balance sheet may give insight or reason to invest in a stock.

CHARACTER MODEL SHEETS. Character Model Sheets are the templates of the characters used by the animation staff. They provide the construction, structure, proportion, design, etc. for each character. Usually, several models sheets are needed for each character to show the physical and design nuances.

Model sheets are archives from the animation studio but not final p... Model sheets or character settings (setter in Japanese) are the drawings used as references by the animators to make a cartoon, One hand made set is made and then copies are given to the animators.

Of course, it all depends on the difficulty and nature of the model. However, here is a rough estimate from for our developers, the process of texturing a complex model takes about 10 \u2013 30 hours.

Select the object you want to add to a new character set. In the Tax Editor, select Create > Character Set >. ... Set the options and click Create Character Set.