For stop payment, you have to provide a check number, the exact amount of the check, and which person made it out to. If you provide any of that information incorrect then the check might still be cashed. A blank check or cheque often refers to a cheque signed by the authority before filling in the other information such as date, payee, and amount. So, a blank check template is used to design a blank check of a bank for the account holder.

So, the signing authorized trusts the blank check holder to fill in the blank checks as per requirement in his absence. Thus, the bank check template is helpful for businesses as well. OnlineCheckWriter.com’s instant checks by mail service allows businesses to send and receive checks on the same business day. You can customize and print checks from home or the office using any printer on quality paper.

If not, whoever you’re writing the check to will probably want to know how to contact you if any problems arise. For example, they may require you to provide your name and phone number at a minimum. Retailers often want your address and driver’s license number as well. When you run out of checks, it’s often most convenient to order them from your bank, and if you’re a premium checking customer, they may be free.

If you have the proper type of printer and paper, you may be able to print them from home. If you don’t live near a bank branch, local printing companies can also help. Writing post-dated checks is legal in most cases, but check your state laws for specific guidance. A post-dated check is a check with a future date listed on it. Sometimes this is done if someone is sending payment before the due date or doesn’t have sufficient funds in their account when the check is written.

• Zil Money allows you to print checks online using the check printing software.
• The company also offers an “on-time” guarantee, which states your order will be printed and shipped within three business days.
• Blank stock paper is paper specially made for printing checks.
• In case of misplacement, the finder isn’t able to encash it.
• These transactions may help you organize your money by allowing you to have complete influence over your withdrawals and deposits.

A teller or personal banker can print counter checks for you. When you first open an account at a bank, you will probably be given several counter checks to get you started before your official checks arrive. They will have your account information on them, so they work just like regular checks. Your ABA routing number and account number appear on the bottom of each check in that familiar computerized MICR font.

Business credit cards

The printable check template prints best when you first download it and then open it to print. You can print directly from the check generator without downloading what does an auditor do it first but on some computers, it doesn’t print as well and has extra margins. The person you are giving should write the amount according to their desire.

These are more expensive than single checks and aren’t as popular now that many people rely on digital recordkeeping. But it’s still worth considering for small businesses that may prefer paper records. For example, if you wrote someone a check and they haven’t cashed it yet, that amount won’t be listed in your online history, but it will be in your check register. Having accurate knowledge of payments you have made can help you avoid overdraft fees and returns.

How to Get a Blank Check from Bank

If you’re interested in ordering your checks from Bank of America, the cost depends on the type of account you have and the style and quantity of checks you want. When you log in to your Bank of America checking account to order, you’ll be able to view the check catalog. Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).

Can I Write a Check to Myself?

Some banks, including Bank of America, offer standard checks free of charge to certain account holders. Keep reading to learn how to order checks from Bank of America, Member FDIC. It’s natural to make errors, and if you mistake one when writing a check, using a blank check is often the most convenient way to fix it. However, keep in mind that a check is worthless until it comes up for sale or is presented to a paying bank. If you need to cancel a repayment on a check which has left your hands, phone your bank.

How can I avoid cashier’s check fraud?

Many banks place a hold on amounts over $5,525 until the check has been cleared by the issuing bank. A cashier’s check is a check drawn from the bank’s own funds, not yours, and signed by a cashier or teller. Unlike a regular check, the bank, not the check writer, guarantees payment of a cashier’s check.

Reasons Divorce Lawyers Say Get Rid of Your Joint Account

Also, integration with accounting software, including QuickBooks, Gusto, and Zoho, lets you import checks to the cloud-based platform. You can print them on blank stock papers or send them to your payee as eChecks, ACH, or even through checks by mail services. You fill in a bank deposit slip when you deposit in any bank account. Online payments are very common at this age, but some people still rely on paper checks for money management and security. There are different checks for different banks that you can download in one click, and these templates are perfect for any official bank. Customers prefer to make operations on the money with the bank check tool than the internet-based payment.

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The cost of ordering checks varies depending on the style, the number of boxes and where you get them. Check companies such as Bradford Exchange Checks, along with retailers like Walmart and Costco, also sell personal checks. You can often find better deals at these suppliers than you would at your own bank. For those who still use a lot of checks, it’s important to know how to order more so you don’t run out.

The report provides helpful information when assessing a company’s financial stability. Financial ratios are used to calculate the business’s financial position, including liquidity and gearing ratios. Banks and suppliers use them to determine if they can offer a loan, overdraft or credit facility. Depicting your total assets, liabilities, and net worth, this document offers a quick look into your financial health and can help inform lenders, investors, or stakeholders about your business. Based on its results, it can also provide you key insights to make important financial decisions. Also called the acid test ratio, the quick ratio describes how capable your business is of paying off all its short-term liabilities with cash and near-cash assets.

Balance Sheets Examine Risk

Shareholders’ equity belongs to the shareholders, whether they’re private or public owners. Overall, a balance sheet is an important statement of your company’s financial health, and it’s important to have accurate balance sheets available regularly. Department heads can also use a balance sheet to understand the financial health of the company. Looking at the balance sheet and its components helps them keep track of important payments and how much cash is available on hand to pay these vendors. When creating a balance sheet, start with two sections to make sure everything is matching up correctly. On the other side, you’ll put the company’s liabilities and shareholder equity.

The Balance Sheet Equation

1. As opposed to an income statement which reports financial information over a period of time, a balance sheet is used to determine the health of a company on a specific day.
2. An analyst can generally use the balance sheet to calculate a lot of financial ratios that help determine how well a company is performing, how liquid or solvent a company is, and how efficient it is.
3. A common characteristic of such assets is that they continue providing benefit for a long period of time – usually more than one year.
4. Depending on the company, this might include short-term assets, such as cash and accounts receivable, or long-term assets such as property, plant, and equipment (PP&E).

Integrate your Wise business account with Xero online accounting, and make it easier than ever to watch your company grow. This balance sheet sample shows different accounts reported and the layout of the document. Angela has used and tested various accounting software packages; she is https://www.simple-accounting.org/ Xero-certified and a QuickBooks ProAdvisor. Experienced in using Excel spreadsheets for her bookkeeping needs and created a collection of user-friendly templates designed specifically for small businesses. When a company buys a fixed asset, it records the purchase on its balance sheet.

Analyzing a Balance Sheet With Ratios

We’ll do a quick, simple analysis of two balance sheets, so you can get a good idea of how to put financial ratios into play and measure your company’s performance. According to the historical cost principle, all assets, with the exception of some intangible assets, are reported on the balance sheet at their purchase price. In other words, they are listed on the report for the same amount of money the company paid for them. This typically creates a discrepancy between what is listed on the report and the true fair market value of the resources. For instance, a building that was purchased in 1975 for $20,000 could be worth $1,000,000 today, but it will only be listed for $20,000. This is consistent with the balance sheet definition that states the report should record actual events rather than speculative numbers.

Browse Accounting Tips

These revenues will be balanced on the assets side, appearing as cash, investments, inventory, or other assets. The notes contain information that is critical to properly understanding how to do bank reconciliation and analyzing a company’s financial statements. A balance sheet is an important reference document for investors and stakeholders for assessing a company’s financial status.

Shareholders’ Equity

Regardless of the size of a company or industry in which it operates, there are many benefits of reading, analyzing, and understanding its balance sheet. Keeping good financial records is essential for a successful business. However, bookkeeping can easily get complicated if you combine personal and business finances in a single account. The debt-to-equity ratio shows how much debt a company has, compared to its equity. The net profit margin ratio indicates the ratio of sales that is left after expenses are paid.

For larger companies, they may even have the report on their website. All accounting software packages will include the Balance Sheet in their reporting section. Assets can be split into three sections – current assets, fixed assets, and intangible assets. A Balance Sheet is an accounting report required by all companies registered at Companies House and is helpful for self-employed to see their financial health.

A drawback of the account form is the difficulty in presenting an additional column of amounts on an 8.5″ by 11″ page. In other states, the program is sponsored by Community Federal Savings Bank, to which we’re a service provider. The second reason is to compare the company against others in the same industry.

It’s important to capture this in the equity section of the balance sheet — even though it wouldn’t be considered the same as a loan from the bank. Non-current, or long-term, assets, include investments and other less tangible assets which nonetheless can bring value to your business. Take a look at these examples to give you an idea of what to include. On a balance sheet, assets are usually described starting from the most liquid, through to those long-term assets which may be more difficult to realise.

Balance sheets, like all financial statements, will have minor differences between organizations and industries. However, there are several “buckets” and line items that are almost always included in common balance sheets. We briefly go through commonly found line items under Current Assets, Long-Term Assets, Current Liabilities, Long-term Liabilities, and Equity. Public companies, on the other hand, are required to obtain external audits by public accountants, and must also ensure that their books are kept to a much higher standard. Balance sheets allow the user to get an at-a-glance view of the assets and liabilities of the company. In this example, Apple’s total assets of $323.8 billion is segregated towards the top of the report.

Finance Strategists has an advertising relationship with some of the companies included on this website. We may earn a commission when you click on a link or make a purchase through the links on our site. All of our content is based on objective analysis, and the opinions are our own.

Costing Methods Mandated by Accounting Standards

The work-in-progress account is periodically debited with all cost direct and indirect incurred in the execution of the jobs and credited with the cost of completed jobs. The balance in this account at any time represents the cost of jobs not yet completed. Under this method, the cost incurred in maintaining a particular department is ascertained. There are two objectives for using this method viz., to control the cost of department and to charge the cost of a department or to the finished product.

What Distinguishes Cost Accounting From Financial Accounting?

Under absorption costing, no distinction is made between fixed costs and variable costs. Furthermore, all costs, whether fixed or variable, are considered to determine the cost of production. To calculate the cost of a process, you add up all the direct expenses incurred in that specific production stage — including the materials used and wages of your operators. You then allocate a portion of the indirect costs based on how much the process uses the resources. Marginal costing (sometimes called cost-volume-profit analysis) is the impact on the cost of a product by adding one additional unit into production.

When Would You Use the Cost Method?

The variable costs are those that vary with the level of production, such as raw materials and labor. The fixed costs, such as rent and insurance, are not included in the product cost. This approach provides a better understanding of the variable costs and those that are fixed.

Which of these is most important for your financial advisor to have?

A costing method known as direct costing only considers variable expenses (i.e. costs that increase or decrease proportionally with production output). The use of direct costing as a technique for analysis to support management’s short-term price decisions has merit. Variable costing is a concept used in managerial and cost accounting in which the fixed manufacturing overhead is excluded from the product-cost of production. The method contrasts with absorption costing, in which the fixed manufacturing overhead is allocated to products produced.

Inventory costing methods

Or, to put it another way, over time, increasing inputs of variable costs will result in progressively fewer units of output. Unlike the Financial Accounting Standards Board (FASB)-driven financial accounting, cost accounting need only concern itself with internal eyes and internal purposes. Costs are initially assigned to activities based on their resources. Then the costs are absorbed by income tax calculator 2021 products and services based on their use of activities. For instance, the manufacture of handles for bicycles involves a number of operations such as cutting steel sheets into proper strips, moulding, machining and finally polishing. Operation costing provides a minute analysis of costs to achieve accuracy and it is applied in industries such as spare parts, toy making and engineering.

Preparing Financial Statements

Throughput costing is mostly used for short-term, incremental cost analysis. For example, to identify whether you can afford to offer a special deal to a new customer. “Throughput”, in this context, refers to the amount of money obtained from sales minus the cost of materials that have gone into making them.

It enables management to control operational efficiency by comparing actual costs with estimated ones. The cost sheet provides information regarding details of costs incurred, the data of commencement, completion of the job etc. Job costing means ascertaining costs of an individual job, work order or project separately. It is used by manufacturing as well as non-manufacturing undertakings which manufacture goods against specific orders. Manufacturing concerns adopting this method are – printing presses, machine-tool manufacturing concerns. Examples of industries where this method is applicable are collieries, quarries, flour-mills, paper mills, textile mills, brick-making, radio, cameras, pencils, slates, dairy products etc.

Industries where there is no uniform product and each task or job order is different from the others are implementing job order costing. Depressions, seasonal fluctuations, and idle time (for labor and machines) are a few of the special factors that must be guarded against. Cost accounting keeps the management team well informed about these https://www.adprun.net/ factors. Costs are classified and sub-divided to provide management with all the details relating to the expenditures incurred to produce a product or render a service. The importance of cost accounting is a function of the seven points discussed below. It assimilates in itself the functions of costing, which certainly is a narrower term.

1. A costing method known as direct costing only considers variable expenses (i.e. costs that increase or decrease proportionally with production output).
2. Accurate inventory costing is essential for determining the true cost of your products.
3. This concludes the technique’s costing process using the continuous operation method.

Construction, Ship-building, Heavy Machinery, Contractor’s Works, etc., fall into job industries. On the other hand, in the case of mass production industries, industrial enterprises undertake production of identical units on a continuous basis. The manufacturing activities are grouped into a number of processes and the costs are accumulated for each process separately. Kaplan and Cooper of Harward Business school who have developed ABC approach to ascertain product costs, have classified the costs as ‘short term variable costs’ and ‘long term variable costs’.

By doing so, the effect of an adjusting entry is eliminated when viewed over two accounting periods. These adjustments are made to more closely align the reported results and financial position of a business with the requirements of an accounting framework, such as GAAP or IFRS. This generally involves the matching of revenues to expenses under the matching principle, and so impacts reported revenue and expense levels.

If you do your own accounting, and you use the accrual system of accounting, you’ll need to make your own adjusting entries. The most common method used to adjust non-cash expenses in business is depreciation. Mary Girsch-Bock is the expert on accounting software and payroll software for The Ascent.

• Full-charge bookkeepers and accountants should be able to record them, though, and a CPA can definitely take care of it.
• At the same time, managing accounting data by hand on spreadsheets is an old way of doing business, and prone to a ton of accounting errors.
• Depreciation expense and accumulated depreciation will need to be posted in order to properly expense the useful life of any fixed asset.
• Adjusting entries are journal entries recorded at the end of an accounting period to alter the ending balances in various general ledger accounts.
• Accumulated depreciation refers to the accumulated depreciation of a company’s asset over the life of the company.

The primary distinction between cash and accrual accounting is in the timing of when expenses and revenues are recognized. With cash accounting, this occurs only when money is received for goods or services. Accrual accounting instead allows for a lag between payment and product (e.g., with purchases made on credit). Let’s say you’ve earned some profit/revenue in a specific period, but it hasn’t been accounted for yet. In such a scenario, the financial statements that’s generated for that period, will be low.

Uncollected revenue is the revenue that is earned but not collected during the period. Such revenue is recorded by making an adjusting entry at the end of accounting period. Adjusting entries ensure that the accrual principle is followed when recording incomes and spending. Closing entries are those that are used to close temporary ledger accounts and transfer their balances to permanent accounts. As learnt, that to arrive at a correct figure of profits and loss as well as true figures in the balance sheet, certain accounts require some adjustments. Depreciation is the process of allocating the cost of an asset, such as a building or a piece of equipment, over the serviceable or economic life of the asset.

Adjusting Entry Best Practices

During the accounting period, the office supplies are used up and as they are used they become an expense. When office supplies are bought and used, an adjusting entry is made to debit office supply expenses and credit prepaid office supplies. Prepaid expenses refer to assets that are paid for and that are gradually used up during the accounting period. A common example of a prepaid expense is a company buying and paying for office supplies. An adjusting journal entry includes credits and debits of various liabilities and assets.

• Then when the client sends payment in December, it’s time to make the adjusting entry.
• Now that we’ve covered the basics, let’s take a look at the five most common types of adjusting entries, and how each might apply to a company’s financial record.
• Adjusting entries update previously recorded journal entries, so that revenue and expenses are recognized at the time they occur.
• Recording transactions in your accounting software isn’t always enough to keep your records accurate.

The revenue recognition principle is the basis of making adjusting entries that pertain to unearned and accrued revenues under accrual-basis accounting. They are sometimes called Balance Day adjustments because they are made on balance day. Recording adjusting journal entries is one of the major steps in the accounting cycle before the books are closed for the period and financial statements are issued. According to the matching principle, revenues and expenses must be matched in the period in which they were incurred.

An adjusting entry is simply an adjustment to your books to better align your financial statements with your income and expenses. After you prepare your initial trial balance, you can prepare and post your adjusting entries, later running an adjusted trial balance after the journal entries have been posted to your general ledger. The purpose of adjusting entries is to ensure that your financial statements will reflect accurate data. Adjusting journal entries are used to reconcile transactions that have not yet closed, but which straddle accounting periods. These can be either payments or expenses whereby the payment does not occur at the same time as delivery.

( . Adjusting entries that convert liabilities to revenue:

This means that expenses that helped generate revenues should be recorded in the same period as the related revenues. If it’s been a while since your last Accounting 101 class, we won’t blame you for needing a little refresher on adjusting entries. Put simply, an adjusting entry updates an existing journal entry for a specific accounting period. When something changes, whether that be an asset depreciating, income received months after a transaction, or late payment to a client, your balance sheet will need an adjusting entry to show the change.

Only expenses that are incurred are recorded, the rest are booked as prepaid expenses. Adjusting journal entries are accounting journal entries that update the accounts at the end of an accounting period. Each entry impacts at least one income statement account (a revenue or expense account) and one balance sheet account (an asset-liability account) but never impacts cash. Additionally, periodic reporting and the matching principle necessitate the preparation of adjusting entries. Remember, the matching principle indicates that expenses have to be matched with revenues as long as it is reasonable to do so. In accounting/accountancy, adjusting entries are journal entries usually made at the end of an accounting period to allocate income and expenditure to the period in which they actually occurred.

What are Adjusting Entries?

They are made so that financial statements reflect the revenues earned and expenses incurred during the accounting period. Booking adjusting journal entries requires a thorough understanding of financial accounting. If the person who maintains your finances only has a basic understanding of bookkeeping, it’s possible that this person isn’t recording adjusting entries. Full-charge bookkeepers and accountants should be able to record them, though, and a CPA can definitely take care of it. As shown in the preceding list, adjusting entries are most commonly of three types. The first is the accrual entry, which is used to record a revenue or expense that has not yet been recorded through a standard accounting transaction.

What are the 7 types of adjusting entries?

Accruals refer to payments or expenses on credit that are still owed, while deferrals refer to prepayments where the products have not yet been delivered. For example, a company that has a fiscal year ending December 31 takes out a loan from the bank on December 1. The terms of the loan indicate that interest payments corporate and investment banking and markets are to be made every three months. In this case, the company’s first interest payment is to be made March 1. However, the company still needs to accrue interest expenses for the months of December, January, and February. Adjusting entries for depreciation is a little bit different than with other accounts.

Accounting 101

Essentially, it refers to money you’ve been prepaid by a client before you’ve done the work or provided services. In the accrual system, this unearned income is seen as a liability and should be credited. For the company’s December income statement to accurately report the company’s profitability, it must include all of the company’s December expenses—not just the expenses that were paid.

Credit and debit

To get started, though, check out our guide to small business depreciation. In December, you record it as prepaid rent expense, debited from an expense account. Then, come January, you want to record your rent expense for the month.

To record a capital lease in your business accounting system, you must first determine whether the business owns the leased item. If the lease is classified as ownership, the item is recorded as an asset on the balance sheet at its original cost (called cost http://vstu.vinnica.ua/ctg/1/0/?page=191 basis). The current and accumulated expenses for the lease are amortized, with part of the cost written off as an expense for the term of the lease. Make sure you include all the details of a capital lease to demonstrate the legitimacy of the lease.

Are all leases now finance leases?

Operating leases will continue to recognize rent expense and capital/finance leases will recognize both interest expense and amortization expense. The capitalized lease method is an accounting approach that posts a http://uralros.ru/kompaniya-alfastraxovanie-priznana-brendom-godaeffie-2008/ company’s lease obligation as an asset on the balance sheet. Historically, the vast majority of leases have been operating – and remained buried in the footnotes rather than appearing on the company balance sheet.

Capital/finance lease vs. operating lease accounting treatment

• Yarilet Perez is an experienced multimedia journalist and fact-checker with a Master of Science in Journalism.
• For lessees governed by ASC 842, leases are deemed either finance or operating based on the criteria outlined below.
• At TBG, our unwavering goal is always To Be Greater—for our clients, communities, and teammates.
• Both finance and operating leases represent cash payments made for the use of an asset.

In other words, with operating leases, you can hold onto a much larger amount of working capital, spread your costs out over time, and access the equipment you need to keep R&D going. Furthermore, if you’re eligible, you can potentially write off 100% of the lease payments, reducing your income tax liabilities. If the probability of the lessee failing to meet the required payments is high, then the lessor can demand higher cash flows that are high in future lease payments. The conversion process is called “capitalizing” the lease, by turning the cost of the operating lease into a capital asset.

Understanding Capital Leases and Operating Leases

An asset’s economic life is calculated by estimating that period of time based on normal usage. It can also take into consideration factors such as depreciation and new regulations that may render the asset unusable after a fixed period of time or hours of https://www.cool-savers.com/car-screensavers.html operation. Businesses must account for operating leases as assets and liabilities for assets leased for more than 12 months. This standard makes their balance sheet a more realistic representation of the company’s worth and obligations regarding leases.

Calculating Capital Lease Liability and Operating Lease Liability

By examining the distinctive aspects between capital and operating leases, we can unravel how each lease type influences a company’s financial health. Operating lease accounting changed in 2016 when the Federal Accounting Standards Board released ASC Topic 842, Leases. The new standard provided guidance when accounting for leases, where the lease and the corresponding asset value would be required to be reported on the balance sheet. However, leases for less than 12 months can be recognized as an expense using the straight-line basis method.

• For example, a capital lease does involve the transfer of ownership rights to the lessee, and the lease is considered more of a loan, or debt financing.
• Our talented team of experts, each specializing in various industries, goes above and beyond to deliver the perfect solution for every client.
• Leasing can be expensive, though, and—depending on the type of lease you have—you might lose out on some of the tax benefits that can come from directly purchasing an asset or purchasing an asset using a traditional loan.
• Similarly, if you have a lease that lasts for at least 75 percent of the item’s estimated useful life, then your lease is a capital lease.
• Essentially, an operating lease is a contract for a company to use an asset and return it in a similar condition to the lessor.

Everything You Need To Master Financial Statement Modeling

Meanwhile, for this same business, a capital lease could make the most sense for items like cars and trucks if the company depends on vehicles for its operation. They are recorded on the company’s balance sheet; as a result, they can affect a company’s financial ratios, such as debt-to-equity, return-on-assets, or solvency if companies use a significant amount of leased assets. Although these leases are now recorded on the balance sheet under the new standard, expense recognition remains the same as the old accounting rules. The expense is recognized as a rent expense and is recorded in the financial statements under cost of sales/operating expenses. Accounting for finance leases under ASC 842 is much the same as capital lease accounting under ASC 840.

Assessing Capital Lease Criteria and Bargain Purchase Options

The new rules require that all leases of more than 12 months must be shown on the business balance sheet as both assets and liabilities. That’s why operating leases of less than a year are treated as expenses, while longer-term leases are treated like buying an asset. The liability lease expense represents the interest accrued on the lease liability each period and the asset lease expense represents the amortization of the lease asset. Additionally, the inclusion of both operating and finance leases on the balance sheet may negatively impact a company’s accounting ratios. Interest coverage ratios may also be impacted due to the additional interest expense from adoption of the new standard if leases previously recorded as operating now require recognition as a finance lease.

For example, in the manufacturing industry, it may be more common to give a customer 90 days or more of credit, but in the retail industry, short-term payback is more important. Paradoxically, the manufacturing company that is giving more credit days, may have a stronger current ratio because of higher assets or higher working capital. The current ratio is an indicator of the current evaluation of all short-term assets and short-term liabilities, unlike other liquidity indicators. The current ratio is sometimes also referred to as the working capital ratio.

PRACTICE QUESTION

XYZ Company had the following figures extracted from its books of accounts. Current liabilities https://www.bookkeeping-reviews.com/ are obligations that are to be settled within 1 year or the normal operating cycle.

1. A company with a consistently increasing current ratio may hoard cash and not invest in future growth opportunities.
2. For example, a company’s current ratio may appear to be good, when in fact it has fallen over time, indicating a deteriorating financial condition.
3. This will increase the ratio because inventory is considered a current asset.
4. This comprehensive analysis will help ensure that decision-makers have a more accurate understanding of a company’s liquidity position.

How Can Diversity of Thought Lead to Good Ethical Decisions?

For instance, imagine Company XYZ, which has a large receivable that is unlikely to be collected or excess inventory that may be obsolete. We’re firm believers in the Golden Rule, which is why editorial what is the abbreviation for debit and credit opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market.

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