if an appraisal report involves a federally related transaction, it must be prepared by a state-certified or licensed appraiser. true or false
Answers
True. If an appraisal report involves a federally related transaction, it must be prepared by a state-certified or licensed appraiser. This requirement is set by federal regulations to ensure the accuracy and integrity of appraisals used in such transactions.
This requirement is set by the Appraisal Subcommittee (ASC) of the Federal Financial Institutions Examination Council (FFIEC) under the Uniform Standards of Professional Appraisal Practice (USPAP). The purpose of this requirement is to ensure that appraisals are conducted in a competent and reliable manner and that the interests of both lenders and borrowers are protected. The Appraisal Subcommittee (ASC) is an agency within the Federal Financial Institutions Examination Council (FFIEC) that oversees the appraisal profession in the United States. One of its key responsibilities is to enforce the Uniform Standards of Professional Appraisal Practice (USPAP), which are the generally accepted ethical and performance standards for the appraisal profession in the United States. Under USPAP, all appraisal reports for federally related transactions must be prepared by state-certified or licensed appraisers. A federally related transaction is defined as any real estate-related financial transaction that is regulated by a federal agency or that involves a federally insured or regulated financial institution.
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True. If an appraisal report involves a federally related transaction, it must be prepared by a state-certified or licensed appraiser.
This requirement is part of the regulations under the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA), which was enacted in 1989 to improve the safety and soundness of the financial system. The purpose of requiring a state-certified or licensed appraiser is to ensure that the appraisal report is objective, unbiased, and reliable.
If an appraisal report involves a federally related transaction, it must be prepared by a state-certified or licensed appraiser. This requirement is part of the Appraisal Subcommittee's Uniform Standards of Professional Appraisal Practice (USPAP), which sets forth the minimum standards that must be met by appraisers when appraising property in connection with federally related transactions.
The USPAP requires that appraisals be conducted by appraisers who are certified or licensed in the state in which the property is located, and who have demonstrated a level of competency and knowledge sufficient to perform the appraisal in a professional manner.
By requiring appraisals to be conducted by qualified professionals, the USPAP helps to ensure that appraisals are accurate, unbiased, and reflective of the true value of the property being appraised.
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Related Questions
As an oligopoly firm produces at a higher output, economies of scale allow the costs per unit (atc) to _____________ significantly.
Answers
As an Oligopoly firm produces at a higher output, economies of scale allow the costs per unit (ATC) to decline significantly.
When firms in an oligopoly market individually chooses production in order to maximize profit, a quantity of output is produced by them which is higher than the level produced by monopoly and lesser than the level produced by competition.
The existence of economies of scale in certain industries can lead to oligopolistic market structures in those industries. This oligopoly market structure refers to a market form in which there are only a few sellers and they sell similar products.
The Oligopoly firm produces at a higher output, and so the costs per unit here decline significantly. Oligopoly firms are also able to take advantage of economies of scale that reduce production costs and prices.
Thus, when the oligopoly firm produces at a higher output, economies of scale allow the costs per unit (ATC) to decline significantly.
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grady is a manufacturer of bicycle wheels. his engineers did a good job of laying out the plans for a new racing wheel, calling for proper construction. assembly line workers did a poor job of building the wheels, however. several of the wheels collapsed during races, and multiple racers were injured. under these circumstances, this is a/an multiple choice marketing defect. building defect. design defect. manufacturing defect.
Answers
This is a manufacturing defect. A manufacturing defect occurs when a product is not made according to its intended design and specifications.
In this case, the engineers laid out plans for a proper construction of the racing wheel, but the assembly line workers did not follow them correctly, resulting in the collapse of several wheels during races and injuries to multiple racers. The defect lies in the production process and not the design of the wheel itself. The manufacturer, Grady, would be responsible for the injuries and would need to take corrective action in their manufacturing process to prevent this defect from occurring in the future.
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Select the one which is not a characteristic of services.a. Services usually have the customer involved in the process.b. Does not exist prior to purchase.c. Ownership is transferred at the time of purchase.d. Intangible.
Answers
The option that is not a characteristic of services is c) ownership is transferred at the time of purchase. Services are intangible, meaning they cannot be touched or owned like physical products.
Additionally, services often require customer involvement in the process, as the customer is typically receiving the service. Unlike physical products, services do not exist prior to purchase, as they are often created and delivered inreal time. Therefore, the correct answer is c) ownership is not transferred at the time of purchase when it comes to services. Instead, the customer is paying for the service and the experience it provides.
Your answer: The option that is not a characteristic of services is c. Ownership is transferred at the time of purchase. Services are distinct from goods in various ways, including their intangible nature, customer involvement, and lack of prior existence. However, unlike tangible goods, services do not involve the transfer of ownership upon purchase, as they are typically consumed and experienced rather than owned.
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Frank currently rents an apartment for $700 per month. He is considering purchasing a $125,000 condominium. He has been approved for a 30-year term mortgage with a 5.25% interest rate. Use technology to create a loan amortization model What is Frank's monthly mortgage payment? What is the total interest he will pay on the loan? What is the total of all loan payments he will make? What is the difference between Frank's monthly loan payment and his monthly rent? Match the amount to the statement the total interest paid on the loan the difference between his monthly payment and his rent the monthly payment on the home the total of all payments on the loan
# $725.75 1. $248,492 :: $12.75 :: $690.25 # $275,684 11 $205,125 :: $700 :: $123,492 + $9.75 11 $165,875
Answers
Frank's monthly mortgage payment is $725.75. The total interest he will pay on the loan is $123,492. The total of all loan payments he will make is $275,684.
To calculate Frank's monthly mortgage payment, we can use a loan amortization model. Based on the given information, Frank has a 30-year term mortgage with a 5.25% interest rate and a loan amount of $125,000. Using these parameters, the monthly mortgage payment can be calculated to be $725.75.
The total interest paid on the loan can be found by subtracting the original loan amount from the total of all loan payments. In this case, the total interest paid is $275,684 - $125,000 = $123,492.
The total of all loan payments includes both the principal amount and the interest paid over the loan term. In this case, the total of all loan payments is $275,684.
To determine the difference between Frank's monthly loan payment and his monthly rent, we subtract his monthly rent of $700 from his monthly mortgage payment of $725.75. The difference is $25.75.
In summary, Frank's monthly mortgage payment is $725.75, the total interest he will pay on the loan is $123,492, the total of all loan payments he will make is $275,684, and the difference between his monthly loan payment and his monthly rent is $25.75.
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In general, the ____ risk you are willing to take the ____the possible return on your investments.
Answers
Answer: sexual aids
Explanation:
what are expenses from those:
1. premises
2. Machinery
3. Rent received
4. Advertising
5. Motor Vehicle
6: Motor expense
Answers
Motor Expense
Difference between business and trade
Answers
Answer:
business is the entire enterprise of making, selling, and controlling the production of goods, while trade, a narrower activity, involves only the buying and selling of goods. Trade is a part of business, but business is not the same as trade. ... Trade usually refers to imports and exports.
checking the purchase order upon delivery of products to a warehouse ensures that
a. the order was actually made in the quality is correct
b. The items were purchased at the lowest possible price
c. The items work as advertised
d. there will be enough storage space to house the items
Answers
Answer:
i believe it is a.
Explanation:
im not sure but this sounds the most reasonable
what is the forecast of pizzas sold on day 29 using the seasonal index method? round to the nearest whole pizza.
Answers
The seasonal index method is a technique used to forecast future demand by considering seasonal patterns in historical data. In this case, we can use this method to forecast the number of pizzas sold on day 29, based on the past sales data.
To begin, we need to calculate the seasonal index for each month or season. This index measures the average deviation of demand from the overall average demand. For instance, if the overall average demand for pizza is 100, and the average demand in January is 110, then the seasonal index for January would be 1.1. Once we have the seasonal index for each month or season, we can apply it to the historical demand data to forecast future demand. To do this, we first calculate the average demand for the previous 3 months, then multiply it by the seasonal index for the current month. For example, if the average demand for the previous 3 months was 120 pizzas and the seasonal index for April is 1.2, then we would forecast sales of 144 pizzas on day 29 (120 x 1.2 = 144). It's important to note that the accuracy of this forecast relies on the accuracy of the seasonal index and the assumption that historical patterns will repeat themselves in the future. Additionally, other factors such as weather, promotions, or economic conditions may influence demand and should be considered as well.
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Which of the following are reasons you can claim additional allowances CHOOSE ALL THAT APPLY
A. You file as head of household if you are eligible
B. You are a single filer and plan to make a large purchase next year such as a house or car
C. You're eligible to claim the Child Tax Credit
D. You had at least the minimum amount required of child or dependent care expenses that you plan on claiming credit
Answers
Answer:
no por que. no se inglés ponlo en español
According to this image :
1- What is the age range of the generation with the highest amount of household debt?
2-Which is the only generation to decrease its average debt from 2019 to 2020?
3-Compare the rate at which Gen Z’s debt increased from 2019 to 2020 compared to other generations.
With an increase of 67.2%, Gen Z’s debt increased at a much higher rate than other generations.
4-Calculate how long it would take for Gen Z’s average debt ($16,000) to reach Gen X’s level of average debt ($140,000) if it continued to increase at its current rate (67.2% per year).
5-Develop a logical argument why Gen Z’s debt is rising at such a high rate when the Silent Generation’s debt is decreasing.
I have to turn this worksheet today, So please ANYONE help me out please ASAP..
Answers
Answer:
1. Gen X 41-56years
2. Silent Gen reduced debt by 4.6%
3.Baby boomers increased by 0.3% from 2019 to 2020, they had the least increase in debt
Gen X followed with 3.5% increase from 2019 to 2020 while Millenials had 11.5% increase in debt between 2019 and 2022. Even though Gen Z debt increased by 67.2%, they still have the lowest debt overall into two years.
4.Gen Z average debt $16,000
Gen X average debt $ 140,000
In 5years, it will meet up with Gen Xs level of debt
5. The silent Gen are the elderly, mostly retired and no longer taking new loans while Gen Z is the younger generating, newly exploring the world, teenagers and students, young school leavers and new work force taking loans at the slightest offer. The silent age are no longer active, they are most been taken care of and won't be taking loan facilities for any purpose. Student loan, technology etc is available and most suitable for the age range of Gen Z, hence the difference in the loan dimension.
which of the following statements are true? multiple select question. a current asset is expected to be converted to cash or consumed within one year or an operating cycle, whichever is shorter. most businesses provide information about their bill-paying ability by classifying their assets and liabilities according to liquidity. long-term assets are usually presented before short-term assets on a classified balance sheet. the more quickly an asset is converted to cash or consumed, the more liquid it is considered.
Answers
Most businesses provide information about their bill-paying ability by classifying their assets and liabilities according to liquidity. The more quickly an asset is converted to cash or consumed, the more liquid it is considered.
How does liquidity work?A financial asset's liquidity refers to how simple it is to convert it into cash without suffering a significant loss in value. Liquidity can assist you in converting assets into useful income if you don't have enough cash on hand to cover expenses.
In investing, what does liquidity mean?In a secondary market, liquidity generally refers to how fast or easily a security can be acquired or sold. When cash is needed, liquid investments can be easily sold without incurring a large cost.
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Which of these is a nonstore retailer?
A. Vending machine
O B. Department store
C. Warehouse club
O D. Supermarket
Answers
A Vending machine is a non-store retailer. Thus option (A) is correct. A retailer is a person or business that you purchase goods from.
Who is a retailer?A retailer is an individual or an entity that deals directly with consumers. It can be a business that sells and goods and service to consumers through brick and mortar store or an online platform.
A Retailer can be a small store or a large enterprise that deals in an assortment of products. Walmart and Amazon are some of the well-known retailers.
The fact that retailers deal with end consumers is one of the reasons why most of them deal in a wide array of products ranging from clothing to jewelry books as well as electronics.
Most modern retailers typically make a variety of strategic level decisions including the type of store, the market to be served, the optimal product assortment, customer service, supporting services, and the store's overall market positioning.
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According to the Business Intelligence textbook, which of the following is true in regards to the significance of social media for business intelligence initiatives?
Group of answer choices
Technology for gathering data from social media platforms is very complex.
Social media strategies are expensive to incorporate into a data gathering system.
A lot of data can be gathered from social media.
All of the above.
Answers
The correct answer is: A lot of data can be gathered from social media. Social media data is any type of data that can be gathered through social media
How can the data from social media can be used?According to the Business Intelligence textbook, social media has become an important source of data for business intelligence initiatives. Social media platforms generate vast amounts of data, including customer feedback, sentiment analysis, and behavioral patterns. This data can be analyzed to gain insights into customer preferences, opinions, and behaviors.
What is the term for gathering data from social media?The practise of acquiring and evaluating data from social networks like is known as social media analytics. Social media monitoring, often known as social listening, is a component of social media analytics.
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1. Use a real-life example to describe the following allocation methods. Hint: Use family, friends, teams, church, and/or clubs for examples.
Brute Force
Market
Queuing
Random Selection
Tradition
Equal Shares
Need
Planned
Answers
A real-life example of the concepts are:
Brute force: The use of different numbers, trying to win the lottery.
Market: The buying and selling of ice cream at backyard sales.
Queuing: Standing in line to pay for goods at a mall
What is Queuing?This refers to the standing in line by a group of people in order to access a particular service.
Hence, we can see that the other answers are:
Random selection: Picking one person out of four persons, through the throw of a die.
Tradition: Going to camp every year between father and son.
Equal Shares: The allocation of the same amount of food in a family
Need: The purchase of food in order to continue living.
Planned: A vacation to a foreign place that has been in the making for a long time.
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Those who support globalization argue that increasing globalization will?
Answers
Those who favor globalization claim that it will result in lower prices for goods and services as it continues to grow.
The term "globalization" is used to describe how trade and technology have increased connectivity and interdependence around the world. The resulting economic and societal developments are also included in the scope of globalization. It can be visualized as the strands of a massive spider web that has grown in size and reach over thousands of years. In the modern era, more people and more things have traveled these silky strands than ever before, and they have done so more quickly and in greater quantities.
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What is one advantage of taking a course online instead of onsite?
A.
It is easier to access the printed course materials.
B.
You can usually do the coursework when it’s convenient.
C.
The quality of teaching is typically a little better.
D.
You can communicate with your teacher more effectively.
Answers
B. The coursework can usually be completed at a time that works for convenient - is one of the benefits of taking a course online rather than in person.
What are the benefits of taking courses online?There are advantages and disadvantages to learning online and in a virtual classroom, just as there are to learning in person on a physical campus. You'll find that one of the many advantages of online education is that it gives you more flexibility in your schedule, can lower the cost of your degree, and can make it easier to advance your career while you study.
Online education has many advantages, but there are also disadvantages to consider. In its own way, staying focused and being self-motivated can be difficult; which is one reason why not everyone is a good candidate for online education. You can get a better idea of whether online learning might be right for you and your career and education goals by learning more about its benefits and drawbacks.
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what might a decrease in sales of new cars indicate about the state of the economy? what would it not necessarily indicate?
Answers
A decrease in sales of new cars can indicate a slowdown or weakness in the state of the economy.
It suggests that consumers are less confident in making large purchases, which can be a sign of reduced disposable income or concerns about future economic stability. However, a decrease in car sales does not necessarily indicate the overall health of the economy. It could also be influenced by factors specific to the automotive industry, such as changes in consumer preferences, availability of alternative transportation options, or supply chain disruptions impacting the production and delivery of vehicles.
Economic stability refers to a state in which an economy experiences steady and predictable growth, low inflation, low unemployment rates, and a stable financial system. It is characterized by an absence of extreme fluctuations or shocks that can disrupt economic activities and cause uncertainties.
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What is an externality?
Answers
Answer:
An externality is a cost or benefit caused by a producer that is not financially incurred or received by that producer. An externality can be both positive or negative and can stem from either the production or consumption of a good or service.
Explanation:
Personal Financial
Literacy
Answers
Answer:
You would have to answer this because I dind't read the story.
Explanation:
Stephen Scott's monthly pay stub indicates that his monthly gross income is $3,800. However, $800 is withheld for income and Social Security taxes and $200 is withheld for his health and disability insurance. How much is Stephen's disposable income
Answers
Stephen's disposable income is calculated by subtracting the total amount withheld from his gross income.
In this case, Stephen's gross income is $3,800 per month. From this amount, $800 is withheld for income and Social Security taxes, and an additional $200 is withheld for his health and disability insurance. To calculate Stephen's disposable income, we add up the total amount withheld, which is $800 + $200 = $1,000. Then, we subtract this amount from his gross income.
Disposable income = Gross income - Total withholdings
Disposable income = $3,800 - $1,000
Disposable income = $2,800
Therefore, Stephen's disposable income is $2,800 per month. This is the amount of money he has available for spending or saving after accounting for taxes and insurance deductions. Disposable income is an important measure as it reflects the actual income that individuals have available for their personal needs and discretionary spending. It is the amount that can be used for day-to-day expenses, savings, investments, and other financial goals. By understanding their disposable income, individuals can better manage their finances and make informed decisions about budgeting, saving, and spending.
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your health insurance premium is $4211 annually. if your employer pays 80% and you are paid monthly, how much is deducted from each monthly check?
Answers
your health insurance premium is $4211 annually. if your employer pays 80% and you are paid monthly, $70.18 is deducted from each monthly check.
What is insurance premium?Gross premiums written in the insurance sector are the total of direct premiums written (see the paragraph after this one) and assumed premiums written, less ceded reinsurance. The term "direct premiums written" refers to all premiums paid for insurance policies that were written during the year by the company's insurance subsidiaries. Assumed premiums written in the United States refers to the premiums that the insurance subsidiaries have obtained through a legitimate, state-mandated pool or through prior fronting arrangements. (From EIG 8-K, filed on November 14, 2007) The revenues anticipated to be collected during the course of a contract when a non-life (property and casualty) insurance company offers one to provide insurance against loss are referred to as gross premiums written.
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read the student example. what are benefits of adding interactive elements to a blog? check all that apply.
Answers
Adding interactive elements to a blog can provide several benefits to both the blogger and the audience. Some of the benefits include: Increased engagement: Interactive elements such as polls, quizzes, and surveys can increase engagement with the audience by providing an opportunity for them to actively participate in the content.
2. Improved user experience: Interactive elements can enhance the user experience by making the content more interesting, entertaining, and memorable. 3. Increased social sharing: Interactive content is more likely to be shared on social media, which can lead to increased traffic and exposure for the blog. 4. Enhanced learning: Interactive elements such as videos, infographics, and interactive diagrams can help readers to better understand complex concepts and retain information. 5. Increased time on site: Interactive elements can keep readers on the site for longer periods of time, which can increase the likelihood that they will return to the blog in the future.
In summary, adding interactive elements to a blog can provide numerous benefits that can help to improve audience engagement, user experience, and search engine rankings. Adding interactive elements to a blog has several benefits: 1. Increased engagement: Interactive elements encourage readers to participate actively, leading to higher engagement levels.
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a firm raising funds through various forms of borrowing with the intent to pay it back is using financing.
Answers
Borrowing with the intent to pay it back is using financing.Rafael is taking out a loan against the money he has been collecting from clients for the business.
He borrows the money with the secret intention of returning it to the business later. There is no one who can check to see if Rafael has returned the money he borrowed, which is a vulnerability in internal control in the business system.First off, the term "collusion" refers to a concept in economics that focuses on situations where two or more businesses choose to collaborate illegally by adopting a similar strategy, such as pricing the goods at a similar rate, in an effort to limit or at the very least restrict competition so that those businesses can maintain a share of the market for themselves. Because it hurts the competition, it is regarded as illegal in several nations.
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Answer:
debt
Explanation:
When would you include an executive summary in a report?
Answers
Answer: Is B. When the report is 30 Pages long
Explanation: because I know
PLEASE HELP I WILL GIVE BRAINLIEST AND POINTS.
A fee that a bank, credit card, or other lender charges for the opportunity to purchase something and pay for it over time is called:
1. Finance Rate
2. Credit
3. Dividend
4. Interest
Answers
Answer:
The answer is Interest
Explanation:
.policies and procedures section of a coding compliance plan should include:- physician query process- unbundling- assignment of discharge destination codes
Answers
The policies and procedures section of a coding compliance plan should include the following:
Physician query process: This outlines the process for coding professionals to seek clarification from physicians regarding incomplete or ambiguous documentation. It ensures accurate code assignment and encourages effective communication between coders and physicians to capture the correct information. Unbundling: This addresses the prohibition of unbundling, which is the separate billing of components that should be billed together as a single procedure. Clear guidelines and examples should be provided to coding professionals to prevent improper coding practices.
Assignment of discharge destination codes: This specifies the guidelines for coding professionals to accurately assign discharge destination codes, such as home, skilled nursing facility, or rehabilitation facility. It ensures consistency and compliance with coding standards. Including these policies and procedures in a coding compliance plan helps promote accurate and compliant coding practices, reduces coding errors, and ensures adherence to applicable regulations and guidelines. It provides guidance and standards for coding professionals to follow, promoting consistency and integrity in the coding process.
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Of the following items, which one or ones describe items beneficial to your credit score? choose all that apply. low debt amount low debt amount short credit history length short credit history length multiple lines of credit multiple lines of credit payments are made on time
Answers
The statement that is beneficial to credit score is multiple lines of credit payments are made on time
What is Credit Score?In simply terms credit score is a record of history of how actively an inddividual services their debt or loan.
A positive credit score is advantageous in that financial institution are confident when given such a person loan
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Describe the classifications of consumer products.
Answers
Consumer products are goods and services that are purchased and used by the general public. These products can be classified into different categories based on several factors, such as the level of involvement required by the customer, the frequency of purchase, the price, and the nature of the product.
The classifications of consumer products are as follows:
1. Convenience Products: These are products that are purchased frequently and with little effort. They are low-priced and require little or no research or decision-making. Examples of convenience products include everyday household items such as toothpaste, soap, and milk.
2. Shopping Products: Shopping products are those that require more effort and decision-making from the customer. They are usually higher-priced than convenience products and are purchased less frequently. Customers usually compare different options before making a purchase. Examples of shopping products include clothing, furniture, and electronics.
3. Specialty Products: These are products that are unique and have specific characteristics that differentiate them from other products. They are usually expensive and are purchased infrequently. Customers are willing to go out of their way to find these products. Examples of specialty products include luxury watches, high-end cars, and designer clothing.
4. Unsought Products: These are products that customers do not actively seek out to purchase. They are products that customers may not even know they need until they are presented with the opportunity to purchase them. Examples of unsought products include life insurance, funeral services, and emergency medical supplies.
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The journal entry to record the payment of salaries and wages for work performed in the current accounting period causes ___________. (check all that apply)
1) assets to decrease
2) assets to increase
3) liabilities to increase
4) stockholder's equity to decrease
Answers
The journal entry to record the payment of salaries and wages for work performed in the current accounting period causes **assets to decrease** and "liabilities to increase".
When a company pays its employees for work performed in the current accounting period, it will reduce its cash balance, which is an asset. This decrease in assets is recorded through a debit to the "Salary and Wage Expense" account. At the same time, the company incurs an obligation to pay its employees, which is a liability. This increase in liabilities is recorded through a credit to the "Accrued Salaries and Wages Payable" account. As a result, the overall effect on the balance sheet is a decrease in assets and an increase in liabilities. The stockholder's equity is not affected by this transaction.
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