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  • Do Checks Expire? How Long Are They Good For? PNC Insights

    stale dated meaning

    Should a new check be required due to staleness, the issuer might consider placing a stop payment on the original stale-dated check. Stale cheques might seem like a minor issue, but they can have significant financial, legal, and psychological implications. By understanding what they are, why they occur, and how to handle them, contribution margin you can avoid unnecessary complications and ensure smooth financial transactions. They find it in September 2023 and try to deposit it, but the bank flags it as stale.

    stale dated meaning

    Do You Want Help Opening Bank Accounts?

    • Learn how to use checks for personal checking accounts, including types, benefits, and best practices for managing your finances efficiently.
    • And as mentioned, a cheque gets considered stale-dated after six months.
    • If you receive a stale-dated check, the first thing to do is to contact the issuer.
    • If you are the recipient or payee of a stale-dated check, you will want to know your options for cashing or depositing the old check.
    • The company will need to verify the payment status and will likely place a stop payment on the original check before issuing a new one.

    If it’s been a long time and the facts have changed, it may be considered stale. The term « stale » in legal documents refers to something that has lost its effectiveness or relevance due to the passage of time. Imagine you have a loaf of bread that has been sitting on the counter for too long; it becomes stale and unappetizing. In a similar way, legal claims, evidence, or contracts can become stale if they are not acted upon within a reasonable timeframe. This means that if someone waits too long to enforce their rights or to present evidence, those rights or that evidence may no longer be valid in a legal setting.

    stale dated meaning

    How Can Plan Sponsors Deal With Stale Dated Checks?

    • For example, if a witness saw an event happen but waited several years to come forward, their testimony might be considered stale.
    • In that case, ask for the original cheque back before writing a new one.
    • When an account is frozen, all outstanding checks are prevented from being cleared.
    • As well, it’s worth noting that if a stop payment doesn’t work for some reason, you’re still responsible for the total amount of the cheque.
    • Under the Uniform Commercial Code (UCC), a bank is not required to pay a standard business or personal check presented more than six months after its issue date.

    Even though banks or other financial institutions may allow you to deposit or cash it, they’re not obligated to do so by law. Freezing an account will prevent all outstanding checks from clearing. It will also prevent the person from making any deposits, as all transactions will be effectively stopped or “frozen” until the account is unfrozen.

    stale dated meaning

    What are the risks of dealing with old checks?

    Now, you remit unclaimed funds to the appropriate state stale dated meaning agency based on local deadlines. Timely remittance fulfills your legal obligations and helps maintain a positive relationship with regulatory authorities. Learn the essential considerations for both the issuer and recipient regarding the validity of a payment.

    Denise Litzau, Property Title and Escrow, Windsor Mill, MD 21244

    stale dated meaning

    As the owner of https://autorefinanceprotect.com/oregon-department-of-revenue-make-a-payment-state/ a business, you should take the time to explicitly outline how your organization will handle stale checks. If you receive a check, your firm policy should be to deposit it within one month to avoid losing it. Unclaimed Property is defined as anything negotiable with monetary value.

    • The exact due diligence requirements vary by state, but a formal letter to the check recipient is usually a good idea.
    • Accepting stale-dated checks can be risky and should be approached with caution.
    • With the help of Rynoh I was able to get all of our accounts back on track.
    • We check our numerous accounts daily and we catch bank or employee error the next day as opposed to the end of the month when the statements come in.
    • This will ensure that the original cheque makes it to the bank rather than finding its way into a drawer where you can forget it.

    If your case is deemed stale, the court may dismiss it, meaning you cannot pursue that claim any further. This is why it’s important to act quickly if you believe you have a legal issue. The court decides if a claim is stale based on the facts of the case and the applicable laws. If a party believes a claim is stale, they can raise this issue during legal proceedings. Understanding the concept of staleness is essential for anyone involved in legal matters.

    • If a cheque is dishonoured, it will get returned back to your bank or financial institution and there are few reasons for this.
    • If you receive a check, your company policy may include depositing it within one month to ensure you do not lose it.
    • However, it is important to note that some states have their own laws regarding stale-dated checks that may differ from the NIL.
    • Stale checks are concerning for banks as considerable time has gone by between the check and payment date.
    • The State law only requires letters to be sent for checks issued for $75.00 or more.
    • This dormancy period for money orders commonly falls within a range of three to seven years, after which the funds may be remitted to the state as unclaimed property.
    • Every business owner should recognize that if their vendors or partners do not deposit checks, those funds do not remain with the business.

    Update Accounting Records

    Unlike cash, cheques can be traced if they are lost or stolen, and most banks will replace stolen or lost cheques without charging a fee. Stale Check is the check which holder presents to the bank six months or more after its effective date. There are some reasons why the holder fails to clear the check within a normal period.

  • Free Online Bookkeeping Tools

    quickbooks online accountant version

    File T1s, T2s, and T3s for all your clients from within QuickBooks Online Accountant. If the option to select an edition is unavailable, I highly recommend you conduct a Repair on QuickBooks. This process will rectify and replace any damaged components or installation files within QuickBooks, restoring functionality. All you need How to Run Payroll for Restaurants to do is review the top left-hand corner of the account. This is where you’ll see « Accountant » if you’re using that version specifically.

    quickbooks online accountant version

    You are leaving Intuit.

    • To get started, connect your business bank accounts and credit cards so data moves automatically into QuickBooks.
    • Accountants now have the ability to streamline the bill pay process for their clients in QuickBooks.
    • The potent reporting provides a 360° view of sales, by customer, product, project, or location.
    • Any previously bookmarked pages to the QuickBooks account will appear in the Bookmarks section.

    You can also create custom dashboards to monitor the finances of multiple clients. Invite clients to collaborate on the platform by sending them an email invitation. Clients can access their financial data and work together with you automatically. This will improve transparency and communication between you and your clients. The Accountant Toolbox is a set of features within QBOA that streamline accountant-client collaboration. It includes tools like reclassifying transactions, fixing common client errors, and writing off multiple invoices.

    • From this dashboard, you can add and manage team members in your accounting or bookkeeping firm.
    • QuickBooks Online Accountant (QBOA) is a powerful software designed for accountants, offering a suite of features that allow accountants to manage their clients and practice all in one place.
    • With Accountant’s Copy, you and your clients don’t have to plan work around each other.
    • The easier you make it for your clients to pay, the more likely they are to do so right away—putting less time between you and your money.
    • You’ll also need an in-depth understanding of QBOA to explain its usage and benefits to clients.

    Is QuickBooks Online Accountant Right for You or Your Business?

    Although it can handle the accounting activities of businesses of any size, its free plan has encouraged many small businesses to use it. QuickBooks accountants can easily automate all possible accounting tasks properly. Any literate person from the organization can use this software with little training and https://refonio.de/find-an-accountant-or-bookkeeper-near-you-5/ understanding. Clarify complexity with efficient inventory management and integrated payroll and time tracking. Plus, with access for up to 40 users, Enterprise can scale with your business as it grows. First off, could you please share some details about your business?

    great benefits of switching to cloud accounting

    All data transferred online is protected with 128-bit SSL encryption. With QuickBooks Online Advanced, you can also restore a version of your company data based on a chosen date and time. They’ll happen automatically, so you’ll always be working with the most current version. Love ‘em or hate ‘em, you know that you can’t monitor your business growth or prepare financial reports without tracking them. Unfortunately, logging and categorizing those expenses can get away from you fast, especially if you’re just throwing all of your receipts in a shoebox to be entered during crunch time. You can also accept payment directly through this online invoice by credit card, debit card, and ACH bank transfers.

    quickbooks online accountant version

    First, you can consider what your accountant suggested to use the same QBDT version on your computer. However, it’s correct that you will have to procure a new license and product key for this. They also insist that I should install QB 2016 Accountant desktop version too.

    The easier you make it for your clients to pay, the more likely they are to do so right away—putting less time between you and your money. Working in the cloud allows you to complete your accounting tasks efficiently—exactly when it’s most convenient for you. Our security specialists work to protect your financial data with our latest data encryption technology. Best of all, your information is automatically backed up, so you never need to save your work. However, QuickBooks has a strong security facility to preserve the data and ensure its access to the relevant person only.

    • It only takes a few minutes to get up and running once you connect your bank account to QuickBooks.
    • You can also pay and view the invoices as per the types of customers.
    • Workday announced on Sept. 16 new Workday Illuminate agents for human resources, finance, and industry, as well as a new subscription-based consumption model called « Flex Credits. »
    • Clients can access their financial data and work together with you automatically.
    • Since your accounting system is connected to the cloud, they can use their own login to access reports like the general ledger, balance sheet, or cash flow statement whenever they need.
    • We offer phone support, live chat and screen sharing—all completely free.
    • QuickBooks Online Accountant is tailored for financial experts, which makes adding and organizing clients easier.

    QuickBooks Online Accountant is mainly for supporting QuickBooks Online and QuickBooks Self-Employed clients. If your clients use QuickBooks Desktop, you can also download software and certifications from QuickBooks Online Accountant. Attract clients through our vast, diverse network of small businesses and sharpen your skills with comprehensive training. Yes, you can switch between QuickBooks Online versions as your business grows or your needs change. The flexibility of the platform allows you to upgrade or downgrade your subscription to align with your current requirements. To track your income and expenses effectively, connect your bank accounts to QuickBooks Online.

    My menu, an updated version of Accountant tools

    quickbooks online accountant version

    Manage your firm’s books with the powerful features of QuickBooks Online Advanced. Visualize your clients’ business performance and compare it with local industry peers. Automatically identify and resolve common bookkeeping issues so the books are closed accurately and on time. You’ll have a detailed log of all of your expenses, as well as all of the receipts you need to back them up.

    Set your small business clients up for success with special pricing discounts

    If your client’s already using QuickBooks Online, they can invite you to become their accountant. As a QBOA user, you can access industry-recognized certification within the platform. QuickBooks new Badged for Success program allows you to acquire digital badges to showcase your proficiency in QuickBooks and helps you stand out to new clients. If you haven’t already, sign up for a free QBOA account on the QuickBooks website. Provide your firm’s information and create your login credentials. quickbooks online accountant version Here’s a comprehensive guide on setting up your account and becoming a QuickBooks accountant.

  • CoinSmart Reviews Read Customer Service Reviews of coinsmart com

    CoinSmart users may also deposit and withdraw CoinSmart supported cryptos. CoinSmart has a dedicated “Wallet” page providing users with CoinSmart supported crypto and fiat wallets. CoinSmart provides users with all the necessary tracking options to review all activities across the CoinSmart platform. CoinSmart delivers an easy to use, yet advanced, online platform supporting the investing and trading of cryptos.

    • If you reside in Canada yourself, using a Canadian exchange can really add to the reliability factor of the entire ordeal.
    • Plus, having two previous requests denied was both confusing and aggravating; I was not quite sure why the requests were rejected.
    • The process begins by registering with your email address and creating a secure password on the Coinsmart website or app.
    • When making a trade, deposit or withdrawal you must confirm the transaction in your Google Authenticator app.

    Bitbuy Fees

    We strongly recommend storing and protecting your crypto on a hardware wallet or any wallet where you own the private keys. Coinsmart currently holds a Trustpilot rating of 4.2 out of 5, based on 368 user reviews. Coinsmart stands out for its strong regulatory position in Canada as both a FINTRAC-registered Money Services Business and a Restricted Dealer compliant with domestic securities rules. This framework gives me a high degree of confidence in the platform’s legitimacy and how it safeguards client assets under Canadian standards. With our exclusive CoinSmart referral code, you receive a $50 welcome bonus after depositing $250 or more into your new account. You can sign up here (including a $50 bonus when your first deposit is $250 or more) and provide the required registration details (name, email address, phone number, date of birth, and address).

    coinsmart canada review

    While CoinSmart outshines Wealthsimple Crypto in terms of funding options and supported fiat currencies, Wealthsimple Crypto remains one of the best crypto platforms for beginners in Canada. With instant account approval and multiple funding options, CoinSmart allows you to trade 16 crypto trading with a minimum of $100. CoinSmart users may deposit already held crypto and trade crypto-crypto or crypto-fiat. Simply select the crypto wallet that you wish to deposit/withdraw/buy/sell/trade, by clicking “Open Wallet” as shown below. It is a beginner-friendly platform with advanced tools suitable for expert investors.

    Securities.io

    When buying crypto, you can then choose your preferred payment method, fiat or crypto. Then enter the amount that you wish to purchase and click “Next”. Review the transaction details and, if correct, click “Buy Now”.

    CoinSmart Review: Best Crypto Exchange? ($50 Offer)

    In my experience, CoinSmart’s fees are lower than average compared to other crypto exchanges, especially considering the free Interac deposits for larger amounts and the reasonable trading fees. For Canadian users looking to keep costs low, CoinSmart is a solid choice. While the credit/debit card fee is on the higher side, avoiding this payment method and opting for free deposit options like wire or bank drafts can help you save even more. What I found was a mix of positives and some real limitations. Coinsmart is registered and regulated in Canada, which gave me peace of mind about its security standards and its approach to user protections.

    Funding your account

    You can purchase coins such as Doge, Shibu Inu, Cardano, Solana and several others. Finally, if you would like to place larger orders as an individual or entity, you can do so through the “OTC” function. This will require you to sign-up for CS Premium, the exchanges service for premium traders which typically facilitates trades of CAD$25,000 or more. The owner(s) of this website may be compensated to provide opinions on products, services, websites and various other topics. Even though the owner(s) of this website receives compensation for our posts or advertisements, we always give our honest opinions, findings, beliefs, or experiences on those topics or products.

    This list provides a range of alternative options that may better suit your specific needs and preferences. The dashboard shows everything you need to trade including options to buy, sell, and trade. You can also view your wallets, activity and simple market information. Simon is a CPA by day and a Personal Finance Blogger by night.

    coinsmart canada review

    They also offer 24/7 customer support, including phone support, although a phone number isn’t listed on coinsmart review their support page, which could be more transparent. CoinSmart boasts an impressive 97% customer satisfaction rate, and based on our experience, it’s easy to see why. When we reached out to resolve an issue, their team got back to us within a few hours and resolved our problem efficiently.

    CoinSmart Mobile and Desktop app

    • While other exchanges adjust these fees based on network conditions, Coinsmart has fixed them.
    • Other reviewers are not so happy and criticize CoinSmart’s slow withdrawal of funds, lack of customer support, and lost deposits.
    • What makes CoinSmart extremely accommodating is how user friendly the app is.
    • Wealthsimple Crypto is another Toronto-based crypto exchange that is also regulated by FINTRAC & OSC.

    Once you have entered the page, you must upload a copy of a government issued ID and fill out the other details (e.g., name, date of birth). As soon as your information has been verified, the order is placed. One of CoinSmart’s mottos is “designed for beginners and built for experts”.

    Kucoin does, however, accept credit and debit card payments, but you’ll need to check if your Canadian bank allows crypto transactions. Coinsmart offers an improved iOS app with a 3.6-star rating and 719 ratings, while its Android counterpart has a 4.2-star rating with 658 reviews. Coinsmart’s desktop app on their website has more tools and flexibility, making it more suitable for trading. Kucoin’s mobile app has a 4.6-star rating from over 19,000 reviews on the Apple App Store and a 3.9-star rating from over 12,000 reviews on Google Play. While both exchanges have good desktop apps for cryptocurrency trading, Coinsmart’s mobile apps are generally better received than Kucoin’s.

    The company wants to provide good service, so it rewards its customers when they experience poor service from CoinSmart. As an example, if CoinSmart doesn’t verify your account the same day you applied (considering you provided the correct documents), the company will waive the fee of your first deposit. CoinSmart offers several ways to buy, sell, and trade using its trading interface. These methods have something to offer traders at every level with beginners finding the buy/sell/trade, wallet, and dashboard views as very simple, user-friendly ways to complete a trade. These options are all offered within your CoinSmart account and are the most streamlined, and intuitive ways to place a trade on the exchange. In fact, it is one of the best exchanges for new crypto traders.

    Make sure you are also using the official website URL of your chosen exchange before depositing any money. CoinSmart is not an exchange where people often complain of accounts being frozen. However, CoinSmart can and will if they suspect suspicious activity on your account.

  • Essential Bookkeeper Job Qualifications for 2025 Success

    qualifications for a bookkeeper

    I will be studying Course Name, offered by Institution Name, from online bookkeeping Start Date to End Date. I’m confident this course will improve my financial knowledge and help streamline our accounting tasks. This course  will guide you on bookkeeping to trial balance, payroll and overall bookkeeping responsibilities. Certification and training opportunities are ample in the field of bookkeeping. Enhance your skills as a bookkeeper with the Intuit Academy Bookkeeping Professional Certificate on Coursera. Get started today and break into the field of bookkeeping as a credentialed professional.

    qualifications for a bookkeeper

    What educational background is required to become a bookkeeper?

    However, bookkeepers can learn specialized skills and earn certifications to stand out among peers. Corporations may hire comparatively well-educated bookkeepers, especially if they provide additional niche knowledge compared to general accounting software. Bookkeepers within this sector typically report to accountants and senior management. Corporations may task these professionals with bank reconciliation, financial report writing, and/or governmental accounting. Individuals can advance their careers by mastering relevant accounting topics, creating accurate reports, and finding discrepancies. Organizations can promote Mental Health Billing bookkeepers to accounting manager or analyst roles.

    qualifications for a bookkeeper

    More Resources on Small Business Accounting

    qualifications for a bookkeeper

    Unlike other accounting positions, the bookkeeping profession focuses on recordkeeping rather than analysis. The BLS reports that these professionals earn a median annual salary of $49,210 as of May 2024. However, certified bookkeeper salaries vary depending on employer, industry, geographic location, education and experience. Earning a bookkeeping certification demonstrates to prospective employers that you have bookkeeping experience, skills and knowledge, and that you’re committed to professional ethics.

    • Each organization has different education and experience requirements for applicants.
    • This path offers the flexibility to choose clients and set one’s own rates, providing both financial and professional independence.
    • This will help you demonstrate your competence and credibility, as well as enhance your career prospects and opportunities.
    • In the latter case, the double-entry accounting system is for any financial transaction when you make an equal and opposite entry in another account.

    How To Become A Bookkeeper In Australia: A Complete Guide

    • Some bookkeepers earn a bachelor’s degree in business or a related field, which may improve opportunities for career advancement.
    • One organization to look into is The American Institute of Professional Bookkeepers.
    • The bookkeeper’s role is crucial in maintaining a company’s financial health.
    • This course focuses on the fundamentals of bookkeeping using the widely popular Xero accounting software platform.
    • These are skills that are needed if you are to be an effective Bookkeeper.
    • Studying tax preparation, financial reporting, and accounting software could give you a competitive advantage over other job-seekers.

    AIPB also offers an instructor-led online prep course that costs $1,475 for members and $1,495 for nonmembers and includes all certification costs. The CB and CPB both demonstrate similar levels of expertise, while the Bookkeeping Certification from NACPB requires significantly less time to complete and may be easier to qualify for. But focusing on one area of the field can develop expertise that might lead to new opportunities in that niche. Despite this, the BLS projects around 174,900 annual openings for bookkeeping, accounting and auditing clerks each year due to the need to replace workers who retire or change careers. Bookkeepers might start taking on more analytical work, which is harder to replace with automation. The American Institute of Professional Bookkeepers (AIPB) and the National Association of Certified Public Bookkeepers (NACPB) provide bookkeeping certifications.

    • Any mistakes can lead to miscalculations and errors in a company’s financial records.
    • It is not uncommon for an experienced bookkeeper to make a career transition into accounting or another profession.
    • It’s about more than just following the rules; it’s about doing what’s right, even when no one is watching.
    • Bookkeepers provide essential services to a business, including processing and accurately recording financial transactions and producing financial statements.

    Job Duties and Responsibilities

    qualifications for a bookkeeper

    A skilled bookkeeper ensures transparency, compliance, and a clear path to growth. Because of these factors, advancing your bookkeeping career to a role in accounting can be advantageous. For instance, the job outlook for accountants and auditors has a 6 percent growth rate from 2023 qualifications for a bookkeeper to 2033.

  • How To Know How Much YouTube Pays Creators?

    In this article, we’ll explore reputable sites and apps that pay you to watch videos and how you can get started. YouTube is a much-loved online site where people share and watch videos. One of the top ways to earn by watching YouTube videos is to join the YouTube Partner Program.

    Be sure that you read terms and conditions first, especially for offers that require you to enter your credit card details. This allows you to change your default browser to Swagbucks and earn passive points for internet searches. AliDropship connects you with global suppliers, and automated fulfillment ensures seamless order processing despite international delivery times.

    Common Scams to Avoid When Getting Paid to View Videos

    For every 30 videos that you watch, you’ll earn around 2 SB points. On average, you can make around $5 per day if you actively what does staff level mean at gitlab software development complete various Swagbucks tasks. When you use the internet for various things, make sure the app is open in the background. For example, you can watch videos on YouTube while it runs and uses unallocated internet data. Nielsen Computer & Mobile Panel offers incentives to participate in its market research panel. As part of your participation, you’ll continue your regular online activities, including watching YouTube videos.

    Explore Passive Income

    • Vloggers often produce personal lifestyle content, which usually draws a broad but less targeted audience.
    • Get paid to complete questionnaires when you have a few minutes to spare.
    • No special skills required – just watch the full video to receive points.
    • This allows you to change your default browser to Swagbucks and earn passive points for internet searches.
    • YouTube reviews each channel manually during the application process.

    You also have to rate the product or service between 1 to 10. Once you reach $5, you can withdraw your earnings via PayPal or bank transfer. Additionally, you’ll get entries into their monthly sweepstakes for a chance to win up to $10,000. One additional perk of InboxDollars is that you can earn $5 in bonus cash just by opening up an account. Some of the links on DollarSprout point to products the best cryptocurrency exchanges to trade with or services from partners we trust.

    Most paid video watching websites use PayPal as their go-to payment method. Apps like Swagbucks, InboxDollars, and PrizeRebel allow cryptocurrency wallet guide for beginners 2020 you to cash out directly into your PayPal wallet once you reach the minimum threshold, usually between $3 and $30. For users who want flexibility, this is often the easiest way to watch videos for cash payouts. Vindale Research blends surveys and video watching tasks to give users multiple ways to earn.

    • One point on InstantCG is worth $ 000.01, so you’ll need 100 points to earn $1.
    • Vindale Research is a good choice if you want to make some extra money by watching videos and answering surveys.
    • Paidwork is another platform where you can get paid for watching YouTube videos, among other tasks like playing games, answering surveys, playing games, and more.

    Is Watching YouTube Videos for Money Worth It?

    How it works, which platforms reward you for it, and how much you can earn. With so many different platforms offering opportunities to get paid for watching videos, you have a lot of options. Yes, many platforms offer mobile apps or mobile-friendly websites, allowing you to watch videos on smartphones and tablets. PointsPrizes will pay you for watching video ads, and for other tasks, such as playing games and completing offers.

    Netflix tagger

    Socinator isn’t just software; it’s a complete automation tool for creators, agencies, and brands. Supporting platforms like YouTube, Instagram, Facebook, Twitter, and more, it handles publishing, messaging, following, and engagement to grow your reach effortlessly. With cross-platform support, tutorials, and flexible pricing, Socinator lets you focus on strategy instead of manual tasks. Combine it with smart SEO, niche targeting, and monetization strategies to scale content, boost revenue, and stay ahead.

    The only difference is that you will get to watch personalised video ads and latest news on your screen. If this sounds like something you are happy with, you can earn free gift cards and visa prepaid cards. You certainly can, however, don’t expect to make a career out of it. If you want YouTube to replace your regular work, you should become a content creator. To get started, you will need to sign up for reputable platforms such as those mentioned above.

    Other Ways to Make Money from YouTube Videos

    However, traditional long-form videos around 8 minutes remain ideal for maximizing revenue due to the ability to insert mid-roll ads. The playlists you create should allow people to see your content in the order it was created. The remainder of your videos will begin to play whenever the first video ends, increasing the number of views for each one as the series progresses.

    Whether you’re new or established, it’s essential to understand how much does YouTube pay and the factors that affect it. From CPM rates to channel niche, the variables can change your income significantly. If you’re curious how much does YouTube pay per view, it’s safe to estimate around $3 to $10 per 1,000 monetized views in most cases. But the amount may vary based on regional CPM rates and viewer device type. The actual payout depends on your video’s content category, viewer demographics, and engagement rate.

    On MyPoints you can earn points that are redeemable for gift cards or cash through PayPal. It offers a diverse range of videos, providing ample opportunities to earn during your leisure time. Do you have a good critical sense and the ability to express your opinions about audiovisual productions in a relatively decent way? You can get paid for watching videos and sharing your opinions, and you don’t even need a YouTube channel and followers to do it (although that is another good option). Some apps specialize in rewarding users for engaging with various forms of video content. You can watch movie trailers, app demos, or even sponsored videos to earn points.

  • Present Value Annuity Table Formulas Calculator

    present value of an ordinary annuity table

    The tables provide the value now of 1 received at the beginning of each period for n periods at a discount rate of i%. The tables are based on the present value of an annuity due formula. An annuity is a financial product that provides a stream of payments to an individual over a period of time, typically in the form of regular installments. Annuities can be either immediate or deferred, depending on when the payments begin. Immediate annuities start paying out right away, while deferred annuities have a delay before payments begin.

    How do annuity tables work?

    • Future value annuity tables are one of many time value of money tables, discover another at the links below.
    • A common example of an annuity is a retirement plan where the investor purchased the annuity and at a point in the future, the retirement fund pays the investor a set amount each month.
    • In accounting & finance, we often hear about the term “present value,” which refers to the value of the expected income stream calculated as the valuation date.
    • The accounting guideline requiring that revenues be shown on the income statement in the period in which they are earned, not in the period when the cash is collected.
    • The number of payments is on the y-axis, and the rate of interest, or the discount rate, is on the x-axis.

    To find the value of the annuity, an annuity table or annuity calculator is used to determine the present value of an annuity. The annuity table looks at the number of equal payments or series of payments made over time discounted by rates of interest. PVIFA tables are typically structured for user-friendliness, featuring rows that correspond to the number of periods (‘n’) and columns that correspond to different interest rates (‘r’) per period. You then simply multiply this factor by the constant amount of the periodic payment. The result is the total present value of the entire series of future payments.

    Intermediate Accounting, Thirteenth Edition

    Use the filters at the top to set your initial deposit amount and your selected products. Let’s say you have $10,000 that you plan to put into a savings account today. Think of it as a conversion factor that changes future money into today’s dollars, because money now is worth more than money later.

    Present Value Table vs. Other Tables: What’s the Difference?

    Have you been preparing for retirement by making regular deposits into an account? First enter the amount of the payment that you’ve been making, the account’s interest rate, the number of years you’ve been making these deposits, and the payment interval. Calculating the present value of a single amount involves figuring out what a future sum of money is worth today. This calculation uses the time value of money, which says that cash in hand now is present value of an ordinary annuity table more valuable than the same amount in the future due to its potential earning capacity. Different types of annuities (variable annuities, for instance) will have different tables.

    present value of an ordinary annuity table

    A formal written promise to pay interest every six months and the principal amount at https://evargo.com.au/single-step-vs-multi-step-income-statements-what/ maturity. We use simple algebra and the appropriate present value factor to determine that Grandma can withdraw $500 each June 1 beginning in 2025. Therefore, the present value is lower because we would discount the £1,000 by the interest rate. Most people would prefer to have the money now as they would be able to invest it and earn interest over the year.

    • One of the main financial statements (along with the statement of comprehensive income, balance sheet, statement of cash flows, and statement of stockholders’ equity).
    • It says future payments are worth less than today’s money because of waiting.
    • For example, if an individual could earn a 5% return by investing in a high-quality corporate bond, they might use a 5% discount rate when calculating the present value of an annuity.
    • Bankrate.com is an independent, advertising-supported publisher and comparison service.
    • It provides a better idea to investors of which opportunity is better for them.
    • The purpose of the future value annuity tables is to perform annuity calculations without the use of a financial calculator.

    A present value of annuity table shows you how much future payments are worth right Bookkeeping vs. Accounting now. Therefore, the present value of five $1,000 structured settlement payments is worth roughly $3,790.75 when a 10% discount rate is applied. Companies that purchase annuities use the present value formula — along with other variables — to calculate the worth of future payments in today’s dollars. If you own an annuity or receive money from a structured settlement, you may choose to sell future payments to a purchasing company for immediate cash. Getting early access to these funds can help you eliminate debt, make car repairs, or put a down payment on a home. It says future payments are worth less than today’s money because of waiting.

    Running Out of Money in Retirement: What’s the Risk?

    present value of an ordinary annuity table

    Choose a present or future value annuity table based on whether you’re looking at your investment needs today or trying to project future growth. This document contains a table showing the present value of an ordinary annuity for different interest rates and numbers of periods. The table lists the interest rates increasing from 1% to 12% across the top row. It then shows the present value for annuities lasting from 1 to 30 periods, with the present value decreasing the further out the period. The present value of annuity is basically the amount of cash you need to invest today in order to get a specific payout later.

    present value of an ordinary annuity table

    This idea is very important in financial mathematics and present value calculation. The long method involves the calculation of the present value of each future cash flow at each individual discount factor or present value interest factor and summing up together. In this method, the present value interest factors are taken from the present value interest factors table. You may hear about a life annuity, where payments are made for the remaining lifetime of the annuitant (the person who receives the annuity payments). Since this kind of annuity is paid only under a specific condition (i.e., the annuitant is still alive), it is known as a contingent annuity. If the contract defines the period in advance, we call it a certain or guaranteed annuity.

  • GENERAL Definition & Meaning

    The chairman and the vice chairman of the JCS, the service chiefs, and the chief of the National Guard Bureau, normally serve a single four-year term. Formally, the term « General » is always used when referring to a four-star general. However, a number of different terms may refer to them informally,clarification needed since lower-ranking generals may also be referred to as simply « General ».

    Openings to Memorize

    • But these new arrivals are set to spice things up further as the show amps up the drama.
    • This week’s General Hospital will see several cast changes with many new arrivals, though no one is leaving.
    • He will return to General Hospital after Britt’s shocking comeback from the land of the dead.
    • The first round is a time for growing land and exploring the spawn.
    • The official and formal insignia of « general » is defined by its four stars (commonly silver and in a row).
    • The rank of general ranks above a three-star lieutenant general and below the special wartime five-star ranks of General of the Army or General of the Air Force.

    For instance, the first opening listed could be called a “13-start”. He will return to General Hospital after Britt’s shocking comeback from the land of the dead. This week’s General Hospital will see several cast changes with many new arrivals, though no one is leaving.

    After the end of the first round, you can check your enemy’s land counter to see how they opened. If they used a 25 land opening, that narrows down their spawn quite a bit. Your choices on which directions to open in will also impact how much you can narrow down your enemy’s spawn location. This is why it is not a good idea to take land in caves that you know are safe. Players can use offensive strategies more often in 1v1 because they do not have to worry about other players attacking them.

    generals.io Version History

    In the United States military, a general is the most senior general-grade officer; it is the highest achievable commissioned officer rank (or echelon) that may be attained in the United States Armed Forces, with exception of the Navy and Coast Guard, which have the equivalent rank of admiral instead. The official and formal insignia of « general » is defined by its four stars (commonly silver and in a row). If you see the enemy’s land during the first round, you should try to take land that is between your general and the border with enemy land. This is because it is easier to defend if the enemy has to run over your own land to get to your general. These may look complicated, but they are easy to remember once you practice them a couple of times. It’s also important to remember that split-attacking does not cost you any time in the opening, so many variations of these few openings can be made, such as in the 4-sided opening.

    Who Is Leaving & Coming to General Hospital This Week (Sept 22- ?

    Since the general generates 24 army before the end of the round, it’s optimal to get 25 land before the general and administrative expenses end of the first round. This makes the first round the easiest time to play optimally in the game and a time when experienced players can get a large advantage over the inexperienced. Since the higher ranks of General of the Army and General of the Air Force have been reserved for significant wartime use only (in modern times were recreated for World War II), the rank of general is usually the highest general officer rank in the modern forces. The rank of general ranks above a three-star lieutenant general and below the special wartime five-star ranks of General of the Army or General of the Air Force.

    Coping With Bad Spawns

    The Marine Corps and Space Force do not have an established grade above general. It is equivalent to the rank of admiral in the other United States uniformed services which use naval ranks. It is abbreviated as GEN in the Army and Gen in the Marine Corps, Air Force, and Space Force. Note that the red general is exactly 15 units from the blue general (shown by the arrow). It is more likely that the generals spawn close together than far apart, but remember that there is no maximum distance between spawns.

    Retirement

    • The chairman and the vice chairman of the JCS, the service chiefs, and the chief of the National Guard Bureau, normally serve a single four-year term.
    • This makes the first round the easiest time to play optimally in the game and a time when experienced players can get a large advantage over the inexperienced.
    • Formally, the term « General » is always used when referring to a four-star general.

    A round is 25 turns, which is the amount of time it takes for land to grow in army. But these new arrivals are set to spice things up further as the show amps up the drama. Perhaps the most intriguing character for most fans in this week’s General Hospital, the show has yet to reveal who Slezak will be playing. As per reports, her character will be discovered by Tracy at the Quartermaine family crypt. Openings are typically referred to by how much army is generated before it is moved.

    Coping With Bad Spawns

    The standard tour for most general/flag officers is a two-year term with the possibility of being renominated for an additional term(s). Appointment of general/flag officers (3-star or above) is a temporary promotion lasting only for the duration of the job assignment. Some statutory limits can be waived in times of national emergency or war. For example, the two highest-ranking members of each service (the service chief and deputy service chief) are designated as generals. In addition, for the National Guard, the chief of the National Guard Bureau3 is a general under active duty in the Army or Air Force. The first round is a time for growing land and exploring the spawn.

    The new arrivals mean there is plenty to look forward to this week. Here is a list of everyone arriving and leaving General Hospital during the week of September 22 to September 26, 2025.

    With all this information, you can get a very good guess of where your enemy will spawn from the start of the game. Empirically, it is about 2 times as likely to spawn in the top left corner than in the center. However, the bigger decider of enemy spawn location is your own spawn. Since the enemy is a minimum of 15 tiles away, there is a large area around your own spawn which you can rule out. The below image shows crossed out tiles 15 units away from the blue generals; any tiles closer the the blue general cannot be a spawn for the red general.

  • Pogoda Ru: Точная погода на сегодня, завтра, 14 дней и на месяц в Москве. Прогноз погоды от 2 октября 2025

    Ситуация должна кардинально измениться в марте. На большей части РФ среднемесячная температура будет лайткоин прогноз выше нормы. Около нормы она будет на юге Европейской территории России, на юге Сибирского федерального округа, в Дальневосточном федеральном округе, за исключением запада Якутии.

    • Ситуация должна кардинально измениться в марте.
    • На большей части РФ среднемесячная температура будет выше нормы.
    • Около нормы она будет на юге Европейской территории России, на юге Сибирского федерального округа, в Дальневосточном федеральном округе, за исключением запада Якутии.
    • Около нормы она будет на юге Европейской территории России, на юге Сибирского федерального округа, в Дальневосточном федеральном округе, за исключением запада Якутии.
    • Ситуация должна кардинально измениться в марте.
  • Interested in Running a Cash-Only Business? Here are the Pros and Cons

    Cash-only businesses I see in my tax practice often that earn good profits are those that do well at flea markets. If you have a products that sells well at flea markets and farmers markets you have a prime cash-only business opportunity. And if you have a cash-only business many people will know you deal with large amounts of cash often. Anywhere in the chain from customer payment to the bank deposit are risk points. Regulatory compliance requires attention to local laws and business registration processes. Maintaining compliance ensures that your business adheres to tax regulations, licensing requirements, and operating permits.

    Because federal and state law are not on the same page, banking is impossible for those businesses. Banks refuse to open accounts for these businesses which removed credit/debit cards and checks as a form of payment. Taxes are also stacked so badly against these businesses that many go broke over taxes. The legal environment needs to improve before dispensaries will become an acceptable business model. You’ll find that cash businesses facilitate immediate cash flow, an essential component for sustainability.

    Cash businesses play a vital role in local economies, offering valuable services to customers who prefer cash transactions. These enterprises include convenience stores, restaurants, and service providers that cater to the cash-centric market segment. Understanding cash businesses is crucial for small business owners and entrepreneurs as these models often attract a loyal customer base. Many great cash-only businesses are successful with a loyal customer base. Just as with businesses that accept credit cards and digital payments, cash-based businesses have effective strategies like customer communication and employee training.

    • An online business will find it impossible to deal in cash-only.
    • By providing feedback on how we can improve, you can earn gift cards and get early access to new features.
    • To manage excess cash and liquidity, consider short-term investments like money market funds, diversifying across asset classes, and reinvesting in the business for growth.
    • Customers may wish a written receipt for tax purposes or for personal records.

    Use The Latest Technology To Run Cash-Only Businesses

    We’ve discussed what may be the best cash business to start and what can make it successful. Any business doesn’t come without hard work, especially at the start. It takes the right management tools to effectively run the best cash-based businesses. See if your business is prepared to safely and effectively handle cash payments.

    Keep accurate records

    Paying someone in money, goods, property or services may be a taxable transaction. Jean Murray is an experienced business writer and teacher who has been writing for The Balance on U.S. business law and taxes since 2008. Along with teaching at business and professional schools for over 35 years, she has author several business books and owned her own startup-focused company. Jean earned her MBA in small business/entrepreneurship from Cleveland State University and a Ph.D. in administration/management from Walden University.

    Are cash only businesses legal?

    Operating a cash-only business has its advantages and disadvantages. However, the benefits far outweigh the negatives, especially for businesses that primarily offer products that are $25 or less. Receiving immediate payment, simplified bookkeeping and not having to pay fees to accept cards can be a huge benefit for small businesses with tight profit margins. No fancy technology or equipment is needed to process cash transactions. Plus, by accepting cash you know exactly how much money you’re receiving, and have access to that money right away.

    Learn more about payments

    You can always change your business model if you discover the cash-only method is not working. Cash-only businesses can face greater scrutiny by taxing authorities. Since cash is easier to underreport, the added costs of a tax audit are real. Recordkeeping with cash is very basic and has no details that can help you improve your business. At the end of the day you tally your cash box and record the revenue.

    Payroll ties into great accounting, and with that in mind, it must be diligently recorded. It also doesn’t hurt to have your employees sign a receipt when they receive their pay. Hang signs around your business that let customers know you do not accept debit or credit cards. Customers could become irritated if they spend an hour in your shop, go to pay with a credit card, and learn that they need cash. Some customers prefer to pay with a card, and if a business doesn’t accept electronic payments it could turn away potential customers.

    By only accepting cash, you’ll avoid these frustrations entirely. You’ll also be in no danger of falling victim to chargeback fraud, which is when customers or malicious third parties make chargeback claims for completely legitimate purchases. This document may provide information about the brokerage and investment advisory services provided by J.P.

    Being able to document more expense transactions may increase your business expense deductions and lowers your business net income for tax purposes. These payments are business expenses and are deductible on your business tax return, but only if you record them. It might seem crazy that in today’s digital age, people want to start a cash-only business. But there are business owners out there who create businesses that require customers to pay with cash only. If your tally at the end of the day does not match a deposit, it is easy to compare the z-tape to the stack of checks.

    If you only offer carry-out items, you can easily make your business a cash-only operation. One advantage of bakeries is that most customers want to get in and out. In addition, bakery items are typically low-cost, so customers are more inclined to pay with cash.

    To sidestep challenges, they stay organized and find solutions to common problems that work for them. With debit cards, credit cards, and mobile payments taking over, it may seem counterintuitive to only accept cash payments. However, there are still plenty of businesses that operate as cash-only business cash-only for various reasons. Businesses often prefer to be paid cash because they have to pay fees on credit card transactions, whereas cash payments don’t incur any charges for the business owners. The absolute worst cash-only business is the weed dispensaries popping up in many states where weed sales are now legal.

    • Connecteam is an award-winning business and employee management app that is designed specifically for remote workers (and deskless workers too).
    • Cash-only business owners can also use this all-in-one training app to teach employees how to make their cash-only business safer.
    • There are many challenges that can put the best businesses at risk for failure.
    • These five proven strategies help businesses, from startups to enterprises, stay resilient and make confident financial decisions.
    • Since most people are impatient, this may cause disgruntled customers and may even cost sales.

    Connecteam helps cash-only business owners save time, effort and money. No, these businesses do not have special exemptions, and taxes function like any other business. This means they must file taxes and could very well be selected for an audit. Excellent records of income and expenses must always be maintained. File Form 8300 electronically or by mail by the 15th day after you receive the large cash payment. And, make sure you provide a written statement to the customer whose name is on Form 8300 by January 31 after the transaction.

    For example, if you’re considering business ideas from home and decide to start a local cupcake business, you might get the supplies you need from a supermarket using cash. This website provides information about the brokerage and investment advisory services provided by J.P. P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our J.P. Morgan Securities LLC Form CRS and Guide to Investment Services and Brokerage Products. Cash-only businesses are still going strong in the U.S. and may be a lucrative income source for the right investor.

    Consistently paying suppliers and vendors on time fosters a reputation for reliability. This reliability can lead to better credit terms, discounts, and stronger partnerships. Efficient cash and liquidity management, helps businesses to gain cash visibility and provides a clear picture of their financial health. It goes beyond day-to-day transactions by ensuring surplus cash is invested wisely, risks are minimized, and working capital is optimized.

    Sometimes, you will get customers coming into your store or business demanding to pay by card and these can be difficult to deal with. Fortunately, there are ways of gently dealing with this issue, including providing an ATM next to the checkout they can use. If you have employees handling money who you don’t know personally, put security measures in place, like CCTV.

    Cash eliminates a large percentage of these growing bank fees. AI tools will revolutionize cash management by offering ultra-accurate forecasting. These tools analyze historical trends, real-time data, and external market conditions. With actionable insights, you can decide to accelerate receivables or delay payments, enhancing liquidity management. Make sure your customer service is top-notch to make up for the inconvenience of not accepting cashless payments. A friendly, attentive and efficient service can go a long way in compensating for the lack of payment options, and help with customer retention.

    However, there are certain risks to keep in mind when operating this kind of business, including less opportunity for sales and higher risk for theft and audit. Some small restaurants and food trucks choose to stay cash-only, too, as do some small businesses that provide services such as haircuts, house painting and landscaping. A cash-only business may be a great investment for someone who values a straightforward business model. In some cases, these businesses can be easy to set up or assume the operation of. They may also offer the immediate gratification of cold, hard cash in your hand. Whether you’ll be offering one-on-one personal training or teaching group-based fitness classes, this is a great cash business to get into.

    Accounting for Cash Transactions

    The material made available for you on this website is for informational purposes only and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors. A small business owner who opts to run a cash-based business may discover the disadvantages quickly. However, it may be worth understanding that POS systems for cashless payments have become easier to navigate and are often as intuitive to learn as the typical smartphone.

    For starters, you have to buy equipment in order to process credit cards as a business. And every time a customer swipes their card, a fee is attached to the transaction, but you’ll alleviate these expenses by running a cash-only company. Cash businesses are enterprises that primarily accept cash transactions.

  • etymology Why daily and not dayly? English Language & Usage Stack Exchange

    If language operated on that principle, rather than the principle stated in the first paragraph of this answer, words and particular senses of words would not fall out of, then return to, common use. The adjective and adverb ‘minutely’, in the given sense, is described variously by dictionaries. In OED entries from the Third Edition, updated March, 2002, the word is described as « rare ». It is given two out of eight for the adjective frequency, three of eight for the adverb, both in contrast to four of eight for the adverb in the sense of « on a small scale ». In Collins, the word frequency is given as two out of five, exactly the same frequency shown for ‘minutely’ in the sense of « done in great detail ». American Heritage (online) does not define the adjective or adverb in the given sense.

    Please include the research you’ve done, or consider if your question suits our English Language Learners site better. Questions that can be answered using commonly-available references are off-topic. Before a suffix starting in a vowel, -y pronounced /j/ usually remains. Only one exception that I can think of, highlighted below. Before a suffix consisting of only one consonant, -y pronounced /j/ generally remains. After such a y, the past and past participle suffix is -ed (with the e), but the present suffix is -s with no e.

    Is there any difference between « monthly average » and « average per month »? closed

    There are unattested attributions on the web to some or other never-named World War II Japanese naval commander. But such a tale could have been spun by one sailor and then popularized through the ranks, eventually making its way into print and vernacular usage. On (the) average, I spend $250 per month on gas heating. My electricity bill is about $250 per month, on (the) average. It can easily be observed, though, that words themselves as well as particular senses of words do fall out of then return to more frequent use.

    Dictionary.com (based on Random House Unabridged) makes no observation about the frequency of use. A cartoon captioned … and all liberty is canceled until morale improves appears even further back in All Hands, a magazine published by the U.S. A (not the) « correct » word for « happening every minute » is ‘minutely’. In both US and British English, the word is pronounced /ˈmɪnᵻtli/, where /ɪ/ is the vowel sound in ‘kit’, « ᵻ represents free variation between /ɪ/ and /ə/ », and /i/ represents the vowel sound at the end of ‘happy’ (OED).

    Yet the semantics of ‘minutely’ (/ˈmɪnᵻtli/) are not archaic, nor is the form; the only remaining potential dimension of archaism is chronological, in that it may be perceived, rightly or wrongly, as having been used more commonly in the past than it is used now. There remains a question of whether, supposing that ‘minutely’ in the sense of « minute-to-minute » is perceived as archaic, that perception is sufficient reason not to use the word in that sense. The logic against such use may be circular and so not compelling. For example, the logic may be that because ‘minutely’ is less used now than it was in the past, it should be used less now and in the future.

    more stack exchange communities

    Since I was getting a bit caught up in trying to write out some fairly complex things in comments to @medica’s answer, I am going to write it all out in a full answer here.

    • Well of course the phrase was frequently repeated in jest in the Navy at that time—it kept showing up every five years or so in All Hands.
    • Twice-daily is probably the best choice since it is unambiguous and commonly used.
    • It is given two out of eight for the adjective frequency, three of eight for the adverb, both in contrast to four of eight for the adverb in the sense of « on a small scale ».
    • What is ‘better’ may be more efficient, more accurate, more pleasing, or in some other way ‘better’.
    • But such a tale could have been spun by one sailor and then popularized through the ranks, eventually making its way into print and vernacular usage.

    bi-daily, bidaily or twice-daily? closed

    Got a good vocabulary from reading, maybe a bit sheltered as far as « the vernacular of the peasantry » (a line of the Wizard of Oz’ no-doubt self-professed Professor Marvel, aka the wizard). It literally means « something that is good for your constitution », usually a walk, but it’s also a common euphemism for the first visit to the washroom, particularly in areas where heading out to use the facilities is not a very distant memory. It was much more common in my youth (and it’s been a while since I was a youth) among older people, and it seemed to carry a bit of feigned poshness among the working class (who didn’t need to go for a purposeless walk to get their exercise). When you combine a final -y with a suffix, you have to look at each combination of the seven options mentioned above separately (though some of them can be lumped together, of course). Per a T-shirt seen at Fort Madison IA in reference to a commander of the Fort during the war of 1812. Well of course the phrase was frequently repeated in jest in the Navy at that time—it kept showing up every five years or so in All Hands.

    Answers

    Before a suffix starting in a consonant or non-/i/ vowel, -y pronounced /ai/ generally remains in monosyllabics, though there are some individual exceptions where a variant spelling with -i- also exists. Average per month » or (« average monthly ») and « monthly average » (or « monthly mean ») have different meanings. OED, in the entries updated in 2002, attests adverbial use of ‘minutely’ in the given sense as recently as 1962, and adjectival use as recently as 1994.

    Prior to that, the predominant meaning would have been morality. As such, I think the attribution to Captain Bligh of the Bounty is probably apocryphal, especially as there appears to be no such direct quotation from him or from the mutineers, even in their Hollywood adaptations. The sentiment is surely as timeless a grumble as any. Pour encourager les autres, borrowed from Voltaire, is used often enough to find its way into dictionaries (e.g. MW, OLD). Taken literally, it would map more closely to the meaning of make an example of someone to use a modern idiom.

    I have not found a copy of the 1960 edition, but an intermediate edition from 1954 does not include any mention of the expression, despite referring to « morale » on four separate occasions. The is no real evidence to support the more commonly cited origins, that is Captain Bligh and the Mutiny on the Bounty, and the commander of the Submarine Force of the Japanese Imperial Navy during World War II. The best you can do is « alternate day. » An alternate day questionnaire is a questionnaire that appears every other day.

    Candide (1759), however, is a work of satire, and the phrase is used ironically. The use of ‘minutely’ in the sense of « minute-to-minute » or « minute-by-minute » may well be a general use « for special purposes », for example, technical purposes. Any word or even non-word that communicates what you intend to the people who read it or hear it, may suffice. Within that broad stroke, the details are that some words may communicate ‘better’ in some way. What is ‘better’ may be more efficient, more accurate, more pleasing, or in some other way ‘better’. I’d need this word to very concisely describe a questionnaire by its issuing frequency.

    • The best you can do is « alternate day. » An alternate day questionnaire is a questionnaire that appears every other day.
    • The logic against such use may be circular and so not compelling.
    • The sentiment is surely as timeless a grumble as any.

    What you are looking for is « minute by minute », « once daily fx economic calendar a minute », « on a minute-by-minute basis » (thanks to Shinto Sherlock for setting the record straight on this one), or simply « every minute ». Twice-daily is probably the best choice since it is unambiguous and commonly used. Using either bidaily or bi-daily risks the reader getting muddled between « twice a day » and « every other day ». So where dæglic became daily (the final k became i), dæg became day.

    In the past and past participle forms of some irregular verbs, the y changes to -i-, and the suffix, whether -(e)d or -(e)n, never has an e. As it is normally pronunciation that defines spelling, and not the other way around, it seems that the i did the job of representing that j in daily quite well. However, as a final vowel, the i seems to be uncommon in English, and usually written as a y. Contrarily, in the fast food restaurant that has an unusually high churn factor and suffers from low morale and low pay, this is where you find posters hanging on the office walls saying, « Beatings will continue until morale improves! » But more on service cultures later. Morale in the sense of one’s confidence and good emotional state is attested only from the early 19th century, according to the OED.

    Other influences than the presence or absence of archaism affect that process. The abbreviation QOD or QAD (from Latin mean Quaque Alternis Die ») means ‘every other day’ or ‘every two days’. I agree with @Vitamin C that frequency is better, but recognize that another category is needed in your list of options, too, such as « as needed » or « irregular. »

    It seems very likely that humorous/sardonic expressions of the form « a punishment will continue until morale improves » originated in the U.S. Navy in the form « all liberty is canceled until morale improves. » The first recorded instance that various book and periodical database searches turn up is from a cartoon caption in 1961, although the cartoonist may simply have been repeating a witticism already in circulation. Stack Exchange network consists of 183 Q&A communities including Stack Overflow, the largest, most trusted online community for developers to learn, share their knowledge, and build their careers. That none of the four dictionaries consulted describe ‘minutely’ as archaic, in the sense of « minute-to-minute » or « minute-by-minute », is not in itself a conclusive answer to the question of whether it is archaic or not. My observation, however, is that ‘minutely’ is not archaic, or if it is archaic, it is not primarily so. Rather the word is infrequently used, and may be perceived as « belonging to an earlier period ».

    Further, it does not take much searching to uncover technical uses of ‘minutely’ in the given sense in 2018; for example, a search using Google Scholar to find instances of ‘minutely data’ returns 2490 results from 2018 as of today (31aug2018). Connect and share knowledge within a single location that is structured and easy to search. « And all liberty is canceled until morale improves. » « … and all liberty is canceled until morale improves. » « monthly average » is better used for « exchange rates », « temperatures », « rain and snowfall », prices, etc.

    Phonetic makeup of suffixes

    Is there an adjective that means « every other day »? I found « bidaily » but it seems to mean « twice a day », not « every second day » (not even both as « biweekly » does). I remember to have come across it once in a story by Somerset Maugham.

    In both cases the g got to be pronounced as j, but instead of dai, hai or gai, the use of y was preferred to write that sound in a final position. A desk sign currently on the market to brighten your day reads, « Firings will continue until morale improves. » The philosophy seems to work. One hundred forty-eight workers at Vepco’s Mt. Storm, West Virginia plant are still on the job despite the selective firing of forty of their brothers. The words « no leave until morale improves » have been underlined by the person who sent this excerpt to the Dartmouth Free Press. Steelworker 1 & C was published in three major editions—in 1950, 1960, and 1966—as well as with minor updates in other years.