Performance royalties, collected by organizations like ASCAP or BMI, are distributed to songwriters and publishers when music is played publicly, such as on radio stations or in venues. In today’s business landscape, many companies generate revenue through royalties and licensing fees. Whether it’s the use of intellectual property, brand licensing, or content distribution, understanding how to account for royalties and licensing fees is crucial for accurate financial reporting. In this blog post, we will delve into the intricacies of accounting for royalties and licensing fees, focusing on revenue recognition and reporting practices.
Recognizing Revenue Under The Sales- And Usage-Based Royalty Exception
As these factors fluctuate, so too does the timing of revenue recognition, which must be carefully monitored and adjusted to reflect the true nature of the royalty income.
Suppose at the end of the first accounting period 500 video games have been sold.
Contact us to learn how our royalty reporting software can save you 90% of your royalty management time, while eliminating royalty errors and stress.
These principles form the bedrock of the practice, guiding financial professionals as they track and report on the flow of royalties.
Royalty audits are examinations of royalty transactions and related records to ensure compliance with contractual terms.
Alongside her accounting practice, Sandra is a Money and Life Coach for women in business.
The landscape of royalty accounting is not confined within national borders; it is influenced by international standards that aim to bring uniformity and comparability to financial reporting across the globe.
Generally, consideration in a sales-based royalty agreement is contingent upon and paid out as the licensee sells goods or services that utilize the licensed IP. In many cases, a sales-based royalty is paid out as a portion or percentage of sales revenue generated using the licensed IP. Monthly Royalty Expense – Typically, royalty payments accumulate over a few months.
In the licensing agreement, they might specify that the sale is in return for royalties generated from future revenues that the product earns.
Royalty accounting is a specialized area of finance that deals with the calculation and payment of royalties.
Milestone payments are forms of variable consideration that are paid if a target is reached.
The time value of money principle is pertinent when the timing of royalty payments involves significant financing components.
In period 2 a further 600 games are sold and the developer makes the following entry.
Sales- and Usage-Based Royalties in ASC 606
Payments from these subsidiaries must be included within the accounting system. To get through the rigors of tax season, CPAs depend on their tax preparation software. Sandra Habiger is a Chartered Professional Accountant with a Bachelor’s Degree in Business Administration from the University of Washington.
Sales-Based and Usage-Based Royalties in Contracts with Licenses and Goods or Services Other Than Licenses
In the context unearned revenue of royalties, revenue is recorded at the time the licensee sells the licensed products or when the performance obligations are met, not necessarily when the payment is received. This method aligns with the matching principle of accounting, which dictates that revenues and their related expenses should be recognized in the same accounting period. For example, if a film studio licenses a movie to a streaming service, the royalty revenue is recognized as viewers watch the film, rather than when the streaming service actually pays the royalties. This approach helps stakeholders understand the earnings process and the real-time value generated from licensing agreements. The timing of revenue recognition for royalties hinges on the specific terms and conditions of the licensing agreements, which dictate when the licensee’s sales or usage triggers the royalty payment. This timing is not arbitrary but is governed by the principle that revenue should be recognized when the performance obligation is satisfied.
How to Account for Royalty Payments
Monthly Royalty Expense – Typically, royalty payments accumulate over a few months.
In many licensing agreements, royalty rates are defined as a percentage of sales, a payment per unit, or a percentage of the gross or net revenues obtained from the use of property.
Price Per Unit Payment – These are flat amounts paid for a song or a book within a specific format.
Understanding these principles is fundamental to the effective management of royalty agreements and the protection of intellectual property rights.
However, the next month, with the advent of Harper’s first hit song, “Wintergreen Love,” Pentatonic sells 10 million songs.
Royalties help creators, innovators, intellectual property owners, or landowners earn money from their assets. Royalty agreements lay out the terms by which a third party can use assets that belong to someone else. Royalty accounting is a specialized area of finance that deals with the calculation and payment of royalties. These financial arrangements are pivotal for creators and rights holders who earn income from their intellectual property. As industries evolve, so too does the complexity of managing these transactions. Licensing agreements are a legal royalty expense accounting contract put into place to outline all the details and terms of the royalty payments and licensee’s rights to use the asset.
Royalty Accounting in Different Industries
The significance of royalty accounting extends beyond mere compliance; it’s about ensuring fair compensation in an increasingly digital economy. This facet of financial management demands precision and understanding to navigate effectively. Explore the intricacies of royalty accounting and learn how to navigate audits, resolve disputes, and apply international standards across various industries. You should understand what royalties are if you create intellectual property or are working for a business that does in order to be able to make informed judgments. Guaranteed Minimum – This means a minimum amount is paid per royalty period, even if no royalties are earned. Price Per Unit Payment – These are flat amounts paid for a song or a book within a specific format.
Miami and Fort Lauderdale are expected to be popular for people getting on cruises. Booking for cruises is up 28% in March and April 2024, compared to last year. The Miami Beach Police Department has also created a new traffic plan that will start at 6 p.m. The restrictions mainly affect major roads, but local access to some city streets will be restricted to try and prevent traffic.
“Having one glass of wine started to not provide the same effect that I was looking [for],” says listener Ash Weber. “I suppose [it was a] growing intolerance and needing more than two glasses to feel the warm and fuzzies.” “You get the best benefit from alcohol when you drink in moderation. taking a break from alcohol Just being dry for 1 month and going back to drinking in excess is a bad idea. If you are drinking in excess, it’s better to cut your alcohol intake,” said Dasgupta. “Delivering this change safely requires careful planning, partnership working, additional funding and effective oversight.
Taking A Break From Alcohol? 5 Tips To Help You Succeed
So, it’s not that sober living will give you a super-powered immune system—it’s just that it will get you back to your baseline, i.e. the efficient immune system you should have had before you started drinking. If you’re an otherwise healthy person, Dr. Galligan says it should take your immune system just a few weeks to bounce back. If going out for drinks feels more like a mandatory event and less like a fun occasion, you might be considering taking a break from alcohol—at least for a little while. We all have that friend who took a timeout from booze, and just swears they look better, feel better, and suddenly have the boundless energy of a baby gazelle. So maybe it’s time to see for yourself what happens when you stop drinking. You may find yourself being more social during the day, and relaxing and unwinding during the evenings when you’d normally be out and about.
The thing is, it’s easy to go above moderate levels of drinking is a mainstay of your social life. After all, a serving of alcohol is a 12-ounce beer, 5-ounce glass of wine, or 1.5 ounces of hard alcohol.1 Most people have more than that at happy hour or on the weekend. One hidden benefit of https://ecosoberhouse.com/ is in the hip pocket – we might not be aware of this, but nights out with friends or even a few bottles of wine per week tend to add up. It is an idea to keep track of how much money you’re saving if you take a break from drinking – most people find that putting that money aside and saving up for something meaningful is an additional motivator.
Gulf Shores: Spring break alcohol ban not hurting business, tourism
Depending on how much a person drinks, taking a break from alcohol for a month could lead to myriad positive changes. Some people might discover their alcohol use was irritating their stomach, disrupting their sleep, causing weight gain, contributing to conflicts, or that they relied more on alcohol for stress relief than they thought. Waking up without the fatigue, malaise and other common symptoms of hangovers could greatly improve one’s quality of life. In addition, potential improvements in health and wellbeing could have positive effects on relationships.
For help quitting, resources are available from the Substance Abuse and Mental Health Services Administration (SAMHSA) or the National Institute on Alcohol Abuse and Alcoholism (NIAAA).
When you finish the 30 days, you can make the decision to continue not drinking or to moderate your use.
You are already aware that it takes more alcohol to get the same buzz you used to get.
“But it helps unlock £35 billion of savings, 10 times that amount. So in today’s Budget for long-term growth, I have decided to fund the NHS productivity plan in full.” At the same time, tobacco duty will be increased as Mr Hunt says vaping “plays an important part in helping people to give up smoking”. Locals in UK destinations priced out by holiday lets have scored a major victory thanks to the scrapping of a landlord tax break. Mr Hunt also said £165 million would be invested over the next four years to increase the capacity of the children’s homes estate while £105 million over the next four years would be used to build 15 new special free schools. Chancellor Jeremy Hunt has unveiled plans to impose a new “excise duty” on vaping products from October 2026. It is expected that a 10ml bottle of e-liquid, which currently costs around £4, will increase by more than a £1.
Besides, plans and licenses can be costly for businesses that want to use Zendesk. With the base plan, you get some sweet facilities like a ticketing system, data analytics, customer chat history, and more. In comparison to that, you enjoy customized agent roles, sandbox, and skills-based routing, besides offering basic functionalities with the expensive enterprise plan.
In summary, Intercom and Zendesk are powerful customer support tools offering various features to help businesses communicate with their customers effectively. While Intercom has a more modern and user-friendly interface, Zendesk has a broader range of features and integrations. Ultimately, the choice between Intercom and Zendesk will depend on the specific needs of your business.
The sophisticated nature of its chatbot makes it more than a task automation tool — it takes customer interactions to the next level. What makes Desku unique is that it has competitively priced services with similar features as those provided by other companies but at a lower cost. In terms of pricing, both Intercom and Zendesk offer a range of plans to fit different business needs and budgets.
There are even automations to help with things like SLAs, or service level agreements, to do things like send out notifications when headlights are due. Because of the app called Intercom Messenger, one can see that their focus is less on the voice and more on the text. This is fine, as not every customer support team wants to be so available on the phone. Email marketing, for example, is a big deal, but less so when it comes to customer service. Still, for either of these platforms to have some email marketing or other email functionality is common sense. Zendesk is quite famous for designing its platform to be intuitive and its tools to be quite simple to learn.
In short, Zendesk is perfect for large companies looking to streamline their customer support process; Intercom is great for smaller companies looking for advanced customer service features. Its sales CRM software starts at $19 per month per user, but you’ll have to pay $49 to get Zapier integrations and $99 for Hubspot integrations. Finally, you can pay $199 per month per user for unlimited sales pipelines and advanced reporting along with other features. Intercom is more for improving sales cycle and customer relationships, while Zendesk has everything a customer support representative can dream about, but it does lack wide email functionality.
Its straightforward pricing structure ensures businesses get access to the required features without complex tiers or hidden costs, making it an attractive option for cost-conscious organizations. Zendesk has a help center that is open to all to find out answers to common questions. Apart from this feature, the customer support options at Zendesk are quite limited. First, you can only talk to the support team if you are a registered user.
Triggers should prove especially useful for agents, allowing them to do things like automate notifications for actions like ticket assignments, ticket closing/reopening, or new ticket creation. Their template triggers are fairly limited with only seven options, but they do enable users to create new custom triggers, which can be a game-changer for agents with more complex workflows. Use ticketing systems to manage the influx and provide your customers with timely responses. Provide self-service alternatives so customers can resolve their own issues. This serves the dual benefit of adding convenience to the customer experience and lightening agents’ workloads.
If you thought Zendesk prices were confusing, let me introduce you to the Intercom charges. It’s virtually impossible to predict what you’ll pay for Intercom at the end of the day. They charge for customer service representative seats and people reached, don’t reveal their prices, and offer tons of custom add-ons at additional cost. Just like Zendesk, Intercom also offers its Operator bot, which will automatically suggest relevant articles to clients right in a chat widget. You can create dozens of articles in a simple, intuitive WYSIWYG text editor, divide them by categories and sections, and customize with your custom themes.
User Interface and Experience
Starting at $19 per user per month, it’s also on the cheaper end of the spectrum compared to high-end CRMs like ActiveCampaign and HubSpot. You can create articles, share them internally, group them for users, and assign them as responses for bots—all pretty standard fare. Intercom can even integrate with Zendesk and other sources to import past help center content. I just found Zendesk’s help center to be slightly better integrated into their workflows and more customizable.
They have a dedicated help section that provides instructions on how to set up and effectively use Intercom. Intercom’s ticketing system and help desk SaaS is also pretty great, just not as amazing as Zendesk’s. Their customer service management tools have a shared inbox for support teams. When you combine the help desk with Intercom Messenger, you get added channels for customer engagement. Zendesk is a great option for large companies or companies that are looking for a very strong sales and customer service platform.
HubSpot helps seamlessly integrate customer service tools that you and your team already leverage. Picking customer service software to run your business is not a decision you make lightly. Intercom’s solution offers several use cases, meaning the product’s investments and success resources have a broad focus. But this also means the customer experience ROI tends to be lower than what it would be if you went with a best-in-class solution like Zendesk. Monese is another fintech company that provides a banking app, account, and debit card to make settling in a new country easier. By providing banking without boundaries, the company aims to provide users with quick access to their finances, wherever they happen to be.
The strength of Zendesk’s UI lies in its structured and comprehensive environment, adept at managing numerous customer interactions and integrating various channels seamlessly. However, compared to the more contemporary designs like Intercom’s, Zendesk’s UI may appear outdated, particularly in aspects such as chat widget and customization options. This could impact user experience and efficiency for new users grappling with its complexity. What sets Zendesk apart is its user-friendly interface, customizable workflows, and scalability. It caters to a wide range of industries, particularly excelling in e-commerce, SaaS, technology, and telecommunications.
Customers increasingly expect to receive fast, convenient, and personalized support. Sales teams can also view outbound communications, and any support agent can access resources from the Intercom workspace. Both Zendesk and Intercom have their own “app stores” where users can find all of the integrations for each platform. Although Zendesk isn’t hard to use, it’s not a perfectly smooth experience either. Users report feeling as though the interface is outdated and cluttered and complain about how long it takes to set up new features and customize existing ones.
Intercom or Zendesk: Integrations and add-ons
To sum up this Intercom vs Zendesk battle, Zendesk is a great customer support oriented tool which will be a great choice for big teams with various departments. Intercom feels more wholesome and is more customer success oriented, but can be too costly for smaller companies. Just like Zendesk, Intercom also offers its own Operator bot, which will automatically suggest relevant articles to customers right in a chat widget. Freshdesk is a more unique Intercom alternative, as it offers the functionality to support businesses that use call centers for customer support. They have a nice implementation of live chat in their product as well, it’s actually thoughtful (and further customer-focused).
Premiere Zendesk plans have 24/7 proactive support with faster response times. Other customer service add-ons with Zendesk include custom training and professional services. We make it easy for anyone within your company to access contextual customer information—including their conversation and purchase history—to provide better experiences. In fact, the Zendesk Marketplace has 1,300+ apps and integrations, from billing software to marketing automation tools. These products range from customer communication tools to a fully-fledged CRM. Zendesk boasts incredibly robust sales capabilities and security features.
Intercom isn’t quite as strong as Zendesk in comparison to some of Zendesk’s customer support strengths, but it has more features for sales and lead nurturing. Overall, I actually liked Zendesk’s user experience better than Intercom’s in terms of its messaging dashboard. Intercom has a dark mode that I think many people will appreciate, and I wouldn’t say it’s lacking in any way. But I like that Zendesk just feels slightly cleaner, has easy online/away toggling, more visual customer journey notes, and a handy widget for exploring the knowledge base on the fly. The highlight of Zendesk’s ticketing software is its omnichannel-ality (omnichannality?).
Gmail-Based Interface
Design and send out mobile push messages–phone pop-ups containing text and images that prompt customers to take action and redirect to a specific app page when clicked. Zendesk for Sales, or Zendesk Sell, is Zendesk’s sales pipeline and CRM tool with its own dashboard for lead generation and conversion. With so many solutions to choose from, finding the right option for your business can feel like an uphill battle. Currently based in Albuquerque, NM, Bryce Emley holds an MFA in Creative Writing from NC State and nearly a decade of writing and editing experience. When he isn’t writing content, poetry, or creative nonfiction, he enjoys traveling, baking, playing music, reliving his barista days in his own kitchen, camping, and being bad at carpentry. Intercom does have a ticketing dashboard that has omnichannel functionality, much like Zendesk.
In terms of pricing, Intercom is considered one of the most expensive tools on the market.
Intercom is better for smaller companies that are looking for a simple and capable customer service platform.
These premium support services can range in cost, typically between $1,500 and $2,800.
Help desk SaaS is how you manage general customer communication and for handling customer questions.
This packs all resolution information into a single ticket, so there’s no extra searching or backtracking needed to bring a ticket through to resolution, even if it involves multiple agents.
Customers will stay with you long if they are not getting any support from your company, especially when you are new to them. While they like the ease of use this product offers its users, they’ve indeed rated them low in terms of services. Zendesk also offers a straightforward interface to operators that helps them identify the entire interaction pathway with the customers. Compared to being detailed, Zendesk gives a tough competition to Intercom. Operators can easily switch from one conversation to another, therefore helping operators manage more interactions simultaneously. Zendesk’s per-agent pricing structure makes it a budget-friendly option for smaller teams, allowing costs to scale with team growth.
Whether agents are facing customers via chat, email, social media, or good old-fashioned phone, they can keep it all confined to a single, easy-to-navigate dashboard. That not only saves them the headache of having to constantly switch between dashboards while streamlining resolution processes—it also leads to better customer and agent experience overall. But keep in mind that Zendesk is viewed more as a support and ticketing solution, while Intercom is CRM functionality-oriented. Which means it’s rather a customer relationship management platform than anything else. The cheapest plan for small businesses – Starter – costs $89 monthly, including 2 seats and 1,000 people reached/mo.
Features
Zendesk’s help center tools should also come in handy for helping customers help themselves—something Zendesk claims eight out of 10 customers would rather do than contact support. To that end, you can import themes or apply your own custom themes to brand your help center the way you want it. In addition to third-party integrations, Zendesk offers a range of native integrations with its products, including Zendesk Support, Zendesk Chat, and Zendesk Talk. These integrations allow businesses to streamline workflow and provide a seamless customer experience across multiple channels. By leveraging the out-of-the-box Netomi virtual agent integration, companies enhance both the agent and customer experience, while also reducing costs.
Admins will also like the fact that they can see the progress of all their teams and who all are actively answering a customer’s query in real-time. Key offerings include automated support with help center articles, a messenger-first ticketing system, and a powerful inbox to centralize customer queries. This exploration aims to provide a detailed comparison, aiding businesses in making an informed decision that aligns with their customer service goals. Both Zendesk and Intercom offer robust solutions, but the choice ultimately depends on specific business needs. Intercom is ideal for personalized messaging, while Zendesk offers robust ticket management and self-service options. In-app messages and email marketing tools are two crucial features that Zendesk lacks when compared to Intercom.
Zendesk vs Intercom – which should you choose?
Nevertheless, the platform’s support consistency can be a concern, and the unpredictable pricing structure might lead to increased costs for larger organizations. Zendesk wins the major category of help desk and ticketing system software. It lets customers reach out via messaging, a live chat tool, voice, and social media.
Clearbit integrates with Intercom to provide users with enriched customer profiles. With this integration, Intercom customers can access Clearbit’s suite of APIs to enrich their customer profiles with additional information such as job title, company size, and industry. This allows them to better segment their audiences and target their messaging more effectively. Pipedrive is a CRM platform that helps sales teams stay organized and focused on their goals. It allows users to create deals, track activities, and manage contacts all in one place. Pipedrive also offers integrations with other popular tools, such as Intercom, to help streamline processes and increase efficiency.
Contact Center of the Future: Empower Agents with AI…
When it comes to creating an optimum knowledge base experience, both Intercom and Zendesk are excellent choices with similar capabilities for your needs. Intercom is a customer support platform known for its effective messaging and automation, enhancing in-context support within products, apps, or websites. It features the Intercom Messenger, which works with existing support tools for self-serve or live support.
This enables organizations to work more efficiently and easily integrate their software without having to alter their present business processes. Simplicity is an important consideration when selecting the best customer service software. Having easy-to-use software is far more controllable and saves time whether you’re a tiny and growing business or a massive multinational. The offers that appear on the website are from software companies from which CRM.org receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).
These plans make Hiver a versatile tool, catering to a range of business sizes and needs, from startups to large enterprises looking for a comprehensive customer support solution within Gmail. Hivers offers round-the-clock proactive support across all its plans, ensuring that no matter the time or issue, expert assistance is always available. This 24/7 support model is designed to provide continuous, real-time solutions to clients, enhancing the overall reliability and responsiveness of Hivers’ services.
Netomi’s virtual agents sit alongside human agents to supplement and enhance the capacity of support teams, ensuring the seamless resolution of customer queries. Zendesk is renowned for its comprehensive toolset that aids in automating customer service workflows and fine-tuning chatbot interactions. Its strengths are prominently seen in multi-channel support, with effective email, social media, and live chat integrations, coupled with a robust internal knowledge base for agent support. Zendesk was founded in 2007 by Mikkel Svane, Morten Primdahl, and Alexander Aghassipour. The platform was created to provide a simple and effective way for businesses to manage customer support tickets. Over the years, Zendesk has expanded its offerings to include features such as live chat, knowledge base, and customer feedback.
Case Status, Mobile Client Portal and Messaging App, Raises $5M Series B, For Total Raise of $11M – LawSites
Case Status, Mobile Client Portal and Messaging App, Raises $5M Series B, For Total Raise of $11M.
Intercom is used by over 30,000 businesses worldwide, including Shopify, Atlassian, and New Relic. The platform is known for its user-friendly interface, powerful automation capabilities, intercom vs. zendesk and robust analytics tools. In 2023, businesses will have an abundance of options when it comes to choosing a customer support and relationship management tool.
Intercom’s app store has popular integrations for things like WhatsApp, Stripe, Instagram, and Slack. There is a really useful one for Shopify to provide customer support for e-commerce operations. HubSpot and Salesforce are also available when support needs to work with marketing and sales teams. The primary function of Intercom’s mobile app is the business messenger suite, including personalized messaging, real-time support tools, push notifications, in-app messaging and emailing.
Zendesk for Sales offers three plans, ranging from $19 to $99 monthly per user, with free trials available for each plan. Zendesk for Service and Zendesk for Sales are sold as two separate solutions, each with three pricing plans, or tiers. Intercom plan prices are determined based on your specific business needs, so interested users must contact them for specific price details. The top of the agent workspace shows an agent’s open tickets, ticket statistics, and satisfaction statistics, as well as tabs depicting all current tickets.
Apps and integrations are critical to creating a 360 view of the customer across the company and ensuring agents have easy access to key customer context. When agents don’t have to waste time toggling between different systems and tools to access the customer details they need, they can deliver faster, more personalized customer service. Messagely’s pricing starts at just $29 per month, which includes live chat, targeted messages, shared inbox, mobile apps, and over 750 powerful integrations.
Remember to get a free trial first prior to subscribing to get a firsthand experience how the solution can benefit you in real scenarios. Zendesk also has a clear and customizable interface, but it has more features, so it might take a bit longer to learn. And you would be surprised to know that the Intercom does not have a VOIP call service.
Intercom self-service chatbot widgets, highly customizable and capable of conversing in 32 different languages, embed into your website or application. Zendesk wins the ticketing system category due to its easy-to-use interface and side conversations tool. For standard reporting like response times, leads generated by source, bot performance, messages sent, and email deliverability, you’ll easily find all the metrics you need. Beyond that, you can create custom reports that combine all of the stats listed above (and many more) and present them as counts, columns, lines, or tables.
When a customer asks a question in the Messenger widget, the Operator automatically suggests a handful of relevant articles based on keywords to help customers resolve their own issues. You can foun additiona information about ai customer service and artificial intelligence and NLP. Users with light access–such as knowledgeable agents and supervisors–can be added to tickets for browsing and feedback. While light agents cannot interact with the customer on the ticket, they can make notes and interact privately with other team members and agents involved with the ticket. In an omnichannel contact center, agents can manage customer interactions across channels, no matter which channel a customer uses to contact the company. One place Intercom really shines as a standalone CRM is its data utility. You can even improve efficiency and transparency by setting up task sequences, defining sales triggers, and strategizing with advanced forecasting and reporting tools.
Довгі весільні сукні на розпис, весільні брючні костюми, жакети, корсети.
Легкі весільні сукні 2024 в стилі бохо, мінімалізм.
Для вашої зручності ми зробили підбірку весільних суконь з колекцій, представлених у салоні, які підходять для розпису, невеликого весілля, весільної вечірки.
За это время ожидания по началу снижения ставки смещались от мая через июнь и июль к сентябрю. «Это может привести к правовой неопределенности и потенциальным судебным разбирательствам», — предполагает юрист. Наконец, под запрет попадает реклама и продвижение таких услуг, площадок и самих криптовалют. Теперь в центре внимания инвесторов находится ключевая трудовая статистика в пятницу, которая может дать более четкое представление о состоянии рынка труда и дальнейшей траектории процентных ставок. В период с 29 апреля по 5 мая биткоин продемонстрировал высокую волатильность, испытав серьезное падение в начале недели, но отыграв все потери к ее концу.
Где купить и хранить DASH
Она идеально подходит для совершения транзакций и платежей быстро и анонимно.
Другими словами, майнеры теоретически могут в тайне от других пользователей создавать параллельные цепочки блоков, а затем транслировать ее в оригинальную сеть.
В отличие от Bitcoin, который использует алгоритм шифрования SHA-256, в основе криптовалюты Dash лежит алгоритм X11, который был изобретен Эваном Даффилдом.
DASH, как криптовалюта, имеет ряд особенностей, которые позитивно сказываются на её перспективах в будущем.
Dash, как и остальные валюты на протоколе Proof-of-Work (PoW), выпускается с помощью майнинга – то есть процесса решения криптографических задач.
Это дает ей преимущество перед многими конкурентами и делает ее более привлекательной для пользователей. В ближайшие годы ожидается увеличение скорости транзакций и снижение комиссий, что сделает Dash еще более доступной для использования в повседневной жизни. Dash — альткоин, который появился как доработка Биткоина и его ответвление, форк. Dash позволяет отправлять и получать платежи по всему миру с помощью системы блокчейн. Однако при этом Dash гарантирует повышение скорости транзакций и усиление их конфиденциальности. Шесть лет назад нельзя было и представить, что наравне с наличными деньгами и пластиковыми картами оплата повседневных покупок станет возможной с помощью криптовалюты.
Халвинг Биткоина 2024: когда произойдет и как повлияет на цену BTC
Разобраться с технологией, особенностями и перспективами проекта позволит обзор криптовалюты Dash (DASH). Монету можно майнить на специальном оборудовании, она также доступна на биржах и в обменниках. Информация о криптовалюте на официальном сайте гласит, что подтверждение происходит за несколько секунд, а не за полчаса как в Bitcoin или Ethereum.
Coinmarketcap на русском: официальный сайт и как использовать его
Интересует покупка Dash или других криптовалют, например Bitcoin? У CoinMarketCap есть простое пошаговое руководство, которое расскажет вам все о криптовалютах и о том, как купить свои первые монеты. Прогноз Dash, заключающийся в популяризации и росте стоимости зависит от текущих проблем монеты. К ним относится повышение порога для желающих вступить в Мастерноды сети Даш и возможный обвал курса.
Отличия от биткоина
Также компания позаботилась и о создании своих кошельков для Dash в виде десктопной, мобильной и даже текстовой версий.
CoinJoin поддерживают некоторые современные биткоин-кошельки, которые позволяют сделать BTC-транзакции анонимными.
Особенность платформы — моментальная обработка транзакций (через протокол Instant-X) и анонимность платежей.
Общее количество монет —18,9 млн, на данный момент из которых добыто 10?
Например, требование предоставлять адреса-идентификаторы кошельков не учитывает тот факт, что к любому кошельку можно сгенерировать множество таких адресов, обращает внимание Михайлишин. В конце апреля депутаты представили новую версию законопроекта, призванного урегулировать сферу майнинга и применение цифровых валют. Недельная свеча имеет небольшое «бычье» тело и длинную нижнюю тень — сигнал к продолжению роста. Не стоит забывать, что цена торгуется в боковом тренде с середины марта и может в нем остаться еще около месяца, прежде чем начать новое ралли с целью обновления исторического максимума. Для регистрация узла в сети нужно иметь на кошельке не менее 1000 коинов. Эти средства не замораживаются, но при снижении баланса мастернода теряет полномочия подтверждать транзакции и микшировать платежи.
Перспективы развития криптовалюты Dash: обзор, прогнозы и новости
Циркулирующее предложение составляет 11,783,198 DASH монет и макс. За первые 48 часов после запуска Dash было добыто около 2 миллионов монет, что значительно превысило запланированный график эмиссии. Первоначально Dash был форком Litecoin, который столкнулся с аналогичной проблемой при запуске из-за ошибки в алгоритме регулировки сложности. Хотя точно доказано, что Dash унаследовал ошибку от Litecoin, тем не менее, https://www.tokenexus.com/ru/dash/ широко распространены предположения о том, что полученный фастмайн мог быть преднамеренным для стимулирования первых майнеров. Примерно 45% новых DASH выделяется майнерам, 45% – мастернодам и 10% – для финансирования будущих предложений. В августе 2020 года было одобрено предложение, которое однажды фактически изменит соотношение монет, начисляемых майнерам и мастернодам, с 50/50 на 40/60 соответственно.
К 2024 году ожидается, что Dash представит ряд значимых улучшений, которые только укрепят его позицию на рынке криптовалют. Анонимность обеспечивают системы мастернодов и механизма PrivateSend. Он направлен на предупреждение проблемы создания очереди транзакций. Используя InstantSend, транзакции Dash почти мгновенно подтверждаются сетью Masternode.
SEC классифицировала DASH как ценную бумагу – Bits.media
Jesteśmy największą w Polsce firmą inżynieryjną. Wykonaliśmy dla nabywców tysiące odbiorów technicznych mieszkań i domów. Weryfikujemy zgodności mieszkania lub domu z Polskimi Normami, projektem i umową deweloperską.
Jakość wykonania poszczególnych elementów w inwestycji Apartamenty Antoniuk
Inwestycja Osiedle Radosne zbudowana przez dewelopera jest położona w mieście Pisz. Inwestycja Koszarova zbudowana przez dewelopera jest położona w mieście Giżycko. Inwestycja Ultra Marina zbudowana przez dewelopera Rutkowski Development Martin Schwartz-profesjonalny analityk Forex jest położona w mieście Ełk. Inwestycja Matemblevo zbudowana przez dewelopera Rutkowski Development jest położona w mieście Gdańsk. Inwestycja Osiedle Radosne zbudowana przez dewelopera Rutkowski Development jest położona w mieście Pisz.
Rutkowski Development – opinie z odbiorów technicznych i analiza umowy deweloperskiej
Pozytywna atmosfera, którą tworzą ludzie jest siłą napędową w tej firmie. Wiele spotkań, wyjazdów integracyjnych jest sponsorowanych przez szefostwo co jest motywujące, napędzające i potrzebne ???? Tak jak napisałam powyżej tę firmę tworzą ludzie. Nie bez znaczenia jest fakt, że szefom zależy na podnoszeniu naszych kompetencji , tudzież wysyłają pracowników na szkolenia. Szefostwo jest wymagające i konkretne co w moim mniemaniu jest budujące, przy czym jeśli masz problem- zawsze na szefów możesz liczyć.
Green House Świdnica
Liczba usterek jest znacząco mniejsza niż rynkowy standard. Inwestycja Modern House zbudowana przez dewelopera Rutkowski Development jest położona w mieście Ełk. Inwestycja Sobola Biel zbudowana przez dewelopera Rutkowski Development jest położona w mieście Suwałki. Liczba usterek znajdowanych przez inżynierów Pewny Lokal na inwestycji Sobola Biel jest zgodna z rynkowym standardem. Inwestycja Osiedle Parkowa zbudowana przez dewelopera jest położona w mieście Grajewo. Liczba usterek w mieszkaniach jest w granicach kilkunastu do kilkudziesieciu.
Sobola Biel, Suwałki
W lokalach na tej inwestycji występują prawie wyłącznie proste do naprawienia usterki.
Inwestycja jest przyjazna dla niepełnosprawnych.
Wciąz jeszcze zbieramy opinie o tej inwestycji.
W niniejszym artykule prezentujemy informacje dotyczące dewelopera działającego pod firmą Rutkowski Development.
Inwestycja Unikat Apartamenty zbudowana przez dewelopera Rutkowski Development jest położona w mieście Gdańsk. Inwestycja Wave Apartamenty zbudowana przez dewelopera Rutkowski Development jest położona w mieście Giżycko. Inwestycja Przystań Apartamenty zbudowana przez dewelopera Rutkowski Development jest położona w mieście Giżycko. Inwestycja Ultra Marina zbudowana przez dewelopera jest położona w mieście Ełk. Inwestycja Matemblevo zbudowana przez dewelopera jest położona w mieście Gdańsk.
OSIEDLE MIESZKANIOWE RUTKOWSKI DEVELOPMENT W AUGUSTOWIE.
Poważne usterki praktycznie sie nie zdarzają. Deweloper zadbał o wysoką jakość oddawanych lokali. Inwestycja Osiedle Parkowa zbudowana przez dewelopera Rutkowski Development jest położona w mieście Grajewo. Liczba znalezionych usterek zazwyczaj nie odbiega od normy. Deweloper mógłby poprawić jakość obsługi klienta. Inwestycja Nova Forma zbudowana przez dewelopera Rutkowski Development jest położona w mieście Węgorzewo.
Inwestycja Monsa zbudowana przez dewelopera jest położona w mieście Gdańsk. Deweloper zadbał o bardzo wysoką jakośc obsługi klienta. Liczba usterek znajdowanych przez inżynierów Pewny Lokal na inwestycji Monsa jest zgodna z rynkowym standardem. Inwestycja Ultra Sonata zbudowana przez dewelopera jest położona w województwie Podlaskie.
Wspaniali Pracownicy z ogromną wiedzą, kompetencjami i chęcią pomocy dla nowo zatrudnionych. Spółka oferuje możliwość rozwoju zawodowego, zdobycia doświadczenia oraz niezbędne narzędzia do pracy. Miejsce pracy pod Aktualizacja rynku – 28 września – Energie Wzroga względem wizualnym również jest na wysokim poziomie. Jako Pracownik Rutkowski Development potwierdzam, że tak. Szczerość i otwartość w relacjach z Współpracownikami i Przełożonymi, co z kolei przekłada się m.in.
Inwestycja Mono Apartamenty zbudowana przez dewelopera Rutkowski Development jest położona w mieście Ełk. Liczba usterek znajdowanych przez inżynierów Pewny Lokal na inwestycji Modern House jest zgodna z rynkowym standardem. Inwestycja Komfort House zbudowana przez dewelopera Rutkowski Development jest położona w mieście Ełk. Obecne są jedynie kosmetyczne usterki Liczba usterek w mieszkaniach jest w granicach kilkunastu do kilkudziesieciu. Inwestycja Duo Apartamenty zbudowana przez dewelopera Rutkowski Development jest położona w mieście Białystok. Biuro Rutkowski Development pracuje doskonale.
Czasem spotykamy skomplikowane do usunięcia usterki. Inwestycja Duo Apartamenty zbudowana przez dewelopera jest położona w mieście Białystok. Liczba usterek znajdowanych przez inżynierów Pewny Lokal na inwestycji Komfort House jest zgodna z rynkowym standardem. Jakość wykonania mieszkań jest zgodna z rynkowym standardem. Inwestycja Apartamenty Antoniuk zbudowana przez dewelopera jest położona w mieście Białystok. Inwestycja Nova Forma zbudowana przez dewelopera jest położona w mieście Węgorzewo.
Aplikowałam do tej firmy całkowicie na inne stanowisko. Odnajdą się w tej firmie osoby, które są kreatywne, komunikatywne, zaangażowane oraz otwarte na cel i zmiany. Umiejętność pracy w zespole również jest ważna, jednakże tego można się nauczyć pracując z tak fajnymi ludźmi????
W ofercie znajduje się szeroki wybór metraży od 30 m² do 99 m². Przemyślane układy mieszkań, łatwe w aranżacji spełnią oczekiwania singli, młodych par czy rodzin z dziećmi. Zabudowa „na kwartale” zapewni mieszkańcom Monsy kameralność i bezpieczeństwo. Nowoczesna architektura ze śnieżnobiałą elewacją i całoroczną zielenią będzie cieszyć oko przez cały rok.
Aktywniebuduje nieruchomości w całej Polsce, między innymi w regionach mazowieckim, pomorskim, podlaskim iwarmińsko-mazurskim. Mono Apartamenty mieszczą się w sąsiedztwie centrum i promenady, przy ul. Specjalnie dla Państwa poszerzyliśmy ofertę mieszkań i apartamentów w ramach projektów deweloperskich Rutkowski Development. Skontaktuj się z naszym Ekspertem Finansowym by poznać najkorzystniejszą dla Ciebie ofertę kredytowania. Największy deweloper w województwie warmińsko-mazurskim i jeden z większych w kraju – Rutkowski Development, nie zwalnia tempa. Pracę u RutkowskiDevelopment będę wspominać bardzo dobrze.
Kontaktowałeś się w tej sprawie już bezpośrednio z deweloperem? Ciekawi mnie, czy deweloper ma już świadomość, że interesuje Cię login my, Author at Forexbrokerslist to konkretne mieszkanie. Mogłabyś ocenić, jak to w Twoich oczach wygląda? W naszym zespole zatrudniamy wyłącznie specjalistów.
Liczba usterek znajdowanych przez inżynierów Pewny Lokal na inwestycji Nova Forma jest zgodna z rynkowym standardem. Naprawa znalezionych usterek wymaga zazwyczaj dużo pracy. Liczba usterek znajdowanych przez inżynierów Pewny Lokal na inwestycji Apartamenty Antoniuk jest zgodna z rynkowym standardem.
Inwestycja Monsa zbudowana przez dewelopera Rutkowski Development jest położona w mieście Gdańsk. Liczba usterek w tej inwestycji jest bliska średniej rynkowej. Deweloper powinien przyłożyć większą wagę do wykańczania kluczowych elementów mieszkania. Zdarzają się skomplikowane i trudne do usunięcia usterki. Obsługa klienta jest na bardzo wysokim poziomie. Współpraca z biurem dewelopera przebiega idealnie.
Inwestycję Mono tworzy 125 apartamentów wykonanych w standardzie premium plus oraz 3 lokale usługowe. W budynku znajduje się także hala garażowa, miejsca naziemne od strony dziedzińca i kameralny plac zabaw. Inwestycja jest przyjazna dla niepełnosprawnych. Mono Apartamenty wyróżnia ponadczasowa biel – nie tylko na elewacji, ale także na dachach – co jest unikatem w skali ogólnopolskiej. Biel jest kolorem epoki nowoczesnej – jest czysta, doskonała i nie podlega modzie. Nie lada gratka dla tych, którzy lubią dobry design i ciekawe rozwiązania, są apartamenty w stylu loftowym z antresolą.
Inwestycja Voda zbudowana przez dewelopera Rutkowski Development jest położona w województwie Pomorskie. Inwestycja Komfort House zbudowana przez dewelopera jest położona w mieście Ełk. Liczba usterek zazwyczaj nie przekracza dziesięciu. Inwestycja Sobola Biel zbudowana przez dewelopera jest położona w mieście Suwałki.
W ofercie znajduje się szeroki wybór metraży od 25 m² do 75 m². Więcej informacji o Rutkowski Group znajdą Państwo na Dzień dobry,działamy w grupie kapitałowej i poszukujemy kandydatów do pracy na różne stanowiska. Jest to dla Nas ważne, bowiem zaprezentowanie swojego profilu umożliwi nam poprawną weryfikację posiadanych kompetencji. Niestety nie pracuję już w zespole tej Firmy, ponieważ mieszkam w innym mieście i dojazdy były bardzo trudne.
When it comes to setting up individual boards and team boards, look no further than Trello. This tool is especially helpful when monitoring the overall team’s performance. When I’m not in the office with them, I can’t just glance over at them and make sure they understand. Create a general chat room for employees to make it easier for them to get to know each other closer. This lets them exchange professional tips, news, jokes, and even pictures of their fluffy pets that interrupt team individuals as they work at home. Start every meeting with an icebreaker question, even if you’ve been working together for some time.
Cons of Remote Collaboration
Conference calling, screen-sharing & recording, & mobile access are among the platform’s simple & easy-to-use video calling features. Loom is an asynchronous collaboration tool where users can instantly record & share video messages with their team to foster relationships. The easy-to-use application allows users to communicate quickly & effectively while also saving valuable time. It uses audio calls, chats, video calling, screen sharing, & other chat-supportive features to improve team communication & keep projects on track. There may be many collaboration tools on the market, but there’s only one right option for your team.
Use a project management tool
Effective hiring is important in any part of business, but especially so in remote-first organizations. If you get the right people in with an open attitude to working remotely, this can make everything else so much easier. Without clearly defined meeting and communication requirements, you and your team members might struggle to decide what warrants a virtual meeting or even a direct message. After all, if you’re not in the same workspace, the chances of drawing someone away from deep work are much higher. Remote teams are groups of people, often from different parts of the world, who work together in the same way a traditional, in-office team would. Accelerated by advances in technology and the COVID-19 pandemic, it has become an increasingly popular approach to working.
Foster a Collaborative Culture
Your best move as a tech leader is to find the ratio of collaboration to solitary workload required for each role and base your hybrid/in-person work strategy accordingly. Technologies will continue to evolve, as will public sentiment on hybrid work. So, you should also implement virtual team-building activities to strengthen relationships and enhance trust among team members.
Focus on cross-team communication
With Zapier, you can easily move data between different apps and platforms. Zapier also provides detailed reporting so teams can track progress and take action when needed. Its easy-to-use interface and powerful automation features make it a good solution for teams of all sizes. That’s why we created the My User Manual play, where you’ll find instructions on how to run this exercise in your team.
Notion supports whatever way a group works, whether it practices Agile, plans with Gantt charts, or prefers more lightweight project planning like simple to-do lists. Zoom is a video conferencing platform remote team collaboration that skyrocketed in popularity during the pandemic. Its intuitive meeting rooms include features like chats, screen sharing, and breakout sessions, making it a robust, highly-functional meeting tool.
Of course, you should be realistic; nobody is going to be an expert in three weeks. But it’s a good idea to create 30, 60, and 90-day plans where you establish milestones (formal or informal) for your people. Async communication doesn’t just make it easier to navigate time zone differences. It removes the need for all your team members to be online at the same time, which includes traditional working hours, too. This can have a massively positive impact on your team members’ work-life balance, allowing them to work at the times where they are most productive.
Google Drive is a popular cloud-based storage system that is both convenient & secure for remote workers. Users can create all kinds of useful documents, such as spreadsheets, letters, & slideshows, using a variety of essential office tools. Popwork was launched at the start of 2020, during the first wave of the global pandemic.
So, unlike office teams that come together around one desk, remote teams are comprised of people spread over vast distances. The result can be that remote team members don’t exhibit the same levels of attentiveness or responsiveness to each other as they would if they were physically adjacent. Remote collaboration isn’t always easy, but using the right tools and frameworks will set you on the right path. For templates and recommendations, check out our resource on getting started with remote collaboration. Developing a communication system should be a top priority for developers who belong to different cultural and linguistic backgrounds.
If you’d prefer to communicate something to the team “in person,” record a video announcement. If your team has questions, encourage them to ask them on the relevant group channel, or in the comment section of the video. That being said, not everyone will have the time or role to participate in these cross-team interactions.
Empower your people to go above and beyond with a flexible platform designed to match the needs of your team — and adapt as those needs change. If you’re just here to wreak havoc and have some fun, and you’re not contributing meaningfully to the discussions, we will https://remotemode.net/ take actions to remove you from the conversation. Please also avoid flagging or downvoting other users’ comments just because you disagree with them. Range is a smart way to do daily stand-ups that focuses heavily on developing a sense of team culture & progression.
In work environments where teams contribute by being part of group brainstorming sessions, employees are more satisfied as they have more to learn from the existing mixed-skilled teams. It benefits their psychological well-being as they feel valued for their skills and understand that they are contributing to the bigger picture of the organization. It’s equally important that senior managers provide avenues for remote workers to sort out their differences in order to keep the team’s energy positive.
If we look at the statistics of remote work before and after COVID-19 hit the world, we can see that 44% of the people work remotely 5 days a week from 17% before COVID-19.
I’ve found making use of our internal messaging service has been particularly beneficial.
When an organization improves team collaboration while maintaining a value-based culture, the employees’ stress levels and toxic health conditions drop significantly.
When Jacobs, an engineering services company, wanted to find a better solution to organize resources that were spread out across multiple platforms, they turned to Mural.
With a variety of surveys, interviews, & feedback templates, Zonka Feedback excels at capturing employee feelings & opinions.
Even as teams transition to virtual spaces and asynchronous communication, real-time collaboration remains critical. Some discussions simply need face-to-face chats and other types of synchronous work, and your digital workplace solutions should support that. Carbonfreeconf.com enables complex virtual meetings thanks to tools that help share & guide other researchers through their work. This all-in-one carbon-free tool enables researchers to create conferences, manage attendees, host, & record sessions, among other things. Crystal is an insightful platform that uses DISC, a well-established & trusted behavioural framework. DISC is commonly used by organizations to improve internal communications & bolster team collaborations.
When an organization improves team collaboration while maintaining a value-based culture, the employees’ stress levels and toxic health conditions drop significantly. This happens when employees feel a greater level of trust between them and the upper management. The established trust and lowered stress empower remote employees to stay focused and committed to their tasks. The COVID-19 pandemic and advancements in technology have made remote team collaboration easier than ever before. For businesses, remote employees can come together in real time, no matter how far apart they are. The employers can also create a new hires board easily, including checklists, tasks, attach videos, automatic check-ins, etc.
Good meeting notes can help teams remember important information that was addressed at the meeting. They can refer back to it to ensure their work is accurate, and those who missed the meeting can easily catch up. The latter can reduce duplicate comments and help spark collaborative ideas. As much as possible, create documentation on how work should be completed and have your team members do the same for their roles.
– W ZUS funkcjonuje Platforma Usług Elektronicznych (PUE). Zamiast wydawać pieniądze na nowy system, można by rozpocząć od unowocześnienia już istniejącego, co prawda tylko pierwszego filara, ale warto od tego zacząć – pointuje. Uważam, że wbrew założeniom rządu nie zachęci ono osób niezainteresowanych budowaniem kapitału emerytalnego do oszczędzania na przyszłość. Rada Ministrów przyjęła projekt ustawy o Centralnej Informacji Emerytalnej, przedłożony przez ministra cyfryzacji. Ministerstwo Rodziny, Pracy i Polityki Społecznej chce dodać do kodeksu pracy nowy przepis, zgodnie z którym do stażu pracy będzie się liczyły m.in. Okresy wykonywania pracy na podstawie umowy zlecenia i prowadzenia indywidualnej działalności gospodarczej.
W ramach protestu wiceminister Paweł Zalewski wyszedł ze studia.
Przywołany już Bartosz Marczuk twierdzi, że sam system informatyczny pochłonie 35 mln zł.
Dalsze rozpowszechnianie artykułu za zgodą wydawcy INFOR PL S.A.
Nowe przepisy, co do zasady, mają wejść w życie po upływie 14 dni od ogłoszenia w Dzienniku Ustaw.
Rząd przygotowuje projekt rozporządzenia w sprawie określenia miesiąca wypłaty kolejnego dodatkowego rocznego świadczenia pieniężnego dla emerytów i rencistów w 2024 r.
IKE czy ZUS a likwidacja OFE — które rozwiązanie wybrać?
Obecnie co prawda instytucje finansowe i organy rentowe dostarczają informacje o stanie kont, udostępniają także internetowo możliwość sprawdzania stanu rachunków, ale jest to wiedza rozproszona. W efekcie trzeba pamiętać kilka loginów i haseł, by mieć tam wgląd, różna jest także forma prezentacji tych danych. Z kolei dzięki nowemu rozwiązaniu dostęp do nich ma być łatwiejszy. Wprowadzane narzędzie ma też umożliwić aktualizację danych osobowych. Ustawa reguluje dostęp do informacji o nich za pomocą strony internetowej i aplikacji na telefony komórkowe (aplikacji mobilnej), m.in. Z informacji, do których dotarł Business Insider, wynika, że Ministerstwo Cyfryzacji, które jest de facto sponsorem tego projektu, zamroziło prace nad nim.
Tyle pieniędzy Polska wydaje na straż pożarną. Wzięliśmy pod lupę cały system
Jak wylicza wiceprezes PFR, do tego dojdzie koszt utrzymania systemu w wysokości do 20 mln zł rocznie. W praktyce okazuje się, że bardzo wiele osób nawet nie wie, jak mają sprawdzić własne oszczędności. Problem pojawia się już na etapie weryfikacji, do którego z kilku funduszy są przypisani. Kolejna przeszkoda pojawia się w momencie, gdy chcą zalogować się na konto, do którego trzeba mieć login i hasło. DemografiaStarzenie się społeczeństwa to kolejny istotny problem.
Obecność dodatkowych osób przy sporządzaniu testamentu ustnego nie pozbawia go mocy. Prezydent Warszawy Rafał Trzaskowski podpisał rozporządzenie, które zakazuje krzyży w urzędzie, a urzędnikom eksponowania symboli religijnych na biurkach. Mogą wystąpić ograniczenia w dostępie do aplikacji mobilnych mZUS i mZUS dla Lekarza. Podmiotom tylko w celach analitycznych i statystycznych w formie uniemożliwiającej ich powiązanie ze zidentyfikowaną lub możliwą do zidentyfikowania osobą fizyczną.
Polska emerytura dla Ukraińców. Na jakich zasadach jest wypłacana?
Po wejściu w dany rachunek, zobaczymy też historyczną wartość środków w PPK, która zmienia się wraz z wahaniami na rynkach finansowych. Podobnie jak w przypadku OFE, możemy tej informacji także szukać w sieci, wpisując nazwę konkretnego funduszu zdefiniowanej daty (np. Pekao PPK 2050). Biden próbuje zdobyć wiejskich wyborców Trump w Michigan Stosowne informacje dotyczące stanu konta i subkonta w ZUS dostępne są w menu Panel Ubezpieczonego. Tam też można dokonać symulacji w postaci obliczenia hipotetycznej wysokości emerytury (prawdziwa ustalana zostanie przez ZUS dopiero w momencie, gdy osiągniemy wiek emerytalny).
Za budowę i funkcjonowanie CIE odpowiedzialny będzie PFR Portal, podmiot zależny od Polskiego Funduszu Rozwoju, który prowadzi portal MojePPK.pl. Założenie profilu w Centralnej Informacji Emerytalnej będzie dobrowolne i bezpłatne. Zakładając taki profil, musimy zweryfikować swoje dane oraz udzielić zgodę na ich przetwarzanie.
Struktura systemu emerytalnegoPolski system emerytalny oparty jest na tzw. Systemie zdefiniowanej składki (defined contribution system). Oznacza to, że wysokość emerytury zależy od zgromadzonych składek w trakcie aktywności zawodowej oraz od długości życia po przejściu na emeryturę. W praktyce oznacza to, że osoby o niskich dochodach, krótkim stażu pracy lub nieodprowadzające regularnych składek, otrzymują niższe świadczenia.
— Samo stworzenie systemu informatycznego będzie kosztować do 35 mln zł — precyzuje Bartosz Marczuk, wiceprezes PFR. — To nie jest wygórowana kwota dla projektów informatycznych — przekonuje. Do tego dojdzie koszt utrzymania systemu w wysokości do 20 mln zł rocznie. Ministerstwo Cyfryzacji milczy, ale gdy ustawa regulująca Centralną Informację Emerytalną była procedowana, w przestrzeni publicznej pojawiało się sporo wątpliwości. Eksperci, z którymi rozmawiał Business Insider, wskazywali, że finalnie podatnicy zapłacą całkiem duże pieniądze za nowy system.
Mimo że miały one poprawić długoterminową stabilność finansową systemu, w krótkim okresie przyczyniły się do zmniejszenia wysokości wypłacanych emerytur. – Najważniejsze priorytety z punktu widzenia państwa w ramach systemu emerytalnego Szef estońskiego banku centralnego apeluje o elastyczność to przede wszystkim edukacja i uświadamianie, że emerytury w pierwszym filarze (z ZUS) i OFE będą niskie, dlatego warto oszczędzać – podkreśla. Napisano w nim, że Polacy nie mają komfortu panowania nad całością swoich oszczędności.
System CIE będzie zintegrowany z Krajowym Węzłem (login.gov.pl), pośredniczącym w uwierzytelnianiu w krajowych usługach online za pomocą środków identyfikacji elektronicznej. W ustawie wskazano, że dane zgromadzone w CIE będą mogły być udostępniane wybranym organom państwa, m.in. Sądom, prokuraturom, ministrowi właściwemu do spraw instytucji finansowych, PFR S.A., Narodowemu Bankowi Polskiemu i Komisji Nadzoru Finansowego. Dzięki systemowi CIE będzie możliwa aktualizacja danych osobowych poprzez dokonanie elektronicznej dyspozycji danych, które zostaną przekazane do wszystkich instytucji, w których konta ma zainteresowany. Krzysztof Kopania, rzecznik Prokuratury Okręgowej w Łodzi, ogłosił, że prokuratura rozpoczyna śledztwo w związku z ukryciem akt nadzoru wytworzonych w byłej Prokuraturze Generalnej. Za taki czyn grozi kara do 2 lat pozbawienia wolności.
Jednak rzetelna ocena tych rozwiązań będzie możliwa dopiero po wprowadzeniu w życie tego systemu i weryfikacji łatwości jego obsługi przez obywateli. Dodatkowo, system CIE będzie zintegrowany z Węzłem Krajowym Identyfikacji Elektronicznej, zbudowanym w celu ułatwienia i upowszechnienia usług elektronicznych w Polsce, w zakresie uwierzytelnienia użytkowników do narzędzi i usług Systemu CIE. Dow Jones Industrial Average konsoliduje w strukturze gospodarstwa – Potrzeba czasu na pełną integrację funkcjonujących systemów z nowym narzędziem – wyjaśnia „Rz” Janusz Cieszyński, minister cyfryzacji. Można już jednak oficjalnie zacząć odliczanie, bo ustawa, która je ustanawia, wchodzi w życie 5 października. Czekają nas nie małe zmiany w Kodeksie pracy jeszcze w 2024 r. Chodzi o ważną sprawę, bo o życie i zdrowie pracowników – w tym ich rozrodczość.
Słaba aktywność zawodowaWielu Polaków ma przerwy w zatrudnieniu lub pracuje w szarej strefie, nie odprowadzając składek na ubezpieczenia społeczne. Dodatkowo, część osób przechodzi na wcześniejszą emeryturę, co skraca okres składkowy i zmniejsza wysokość świadczeń. Choć ustawa nakłada obowiązek wdrożenia systemu w ciągu dwóch lat, brak konkretnego postępu budzi obawy, czy termin ten zostanie dotrzymany. Nowy rząd, który przejął władzę po Zjednoczonej Prawicy, wydaje się nie być przekonany o konieczności realizacji projektu w jego obecnej formie. Zgodnie z zapowiedzią, CIE ma powstać i działać od II kwartału 2023 roku. Jak wskazali pomysłodawcy ma stanowić złożony projekt – obejmujący m.in.
Horizontal analysis of financial statements involves comparison of a financial ratio, a benchmark, or a line item over a number of accounting periods. Horizontal analysis allows the assessment of relative changes in different items over time. It also indicates the behavior of revenues, expenses, and other line items of financial statements over the course of time. Indeed, sometimes companies change the way they break down their business segments to make the horizontal analysis of growth and profitability trends more difficult to detect.
How to Read & Understand an Income Statement
Horizontal analysis is a financial analysis technique that compares financial data over multiple reporting periods to identify trends and patterns in a company’s business cycle. Horizontal analysis involves comparing line items in financial statements across consecutive periods, usually a recent year to a base year. Both horizontal and vertical analysis are useful tools for analyzing financial statements and can be used together to gain a comprehensive understanding of a company’s financial performance.
Differences Between Horizontal Analysis & Vertical Analysis
We can perform horizontal analysis on the income statement by simply taking the percentage change for each line item year-over-year. Horizontal analysis makes financial data and reporting consistent per generally accepted accounting principles (GAAP). It improves the review of a company’s consistency over time, as well as its growth compared to competitors. It is up to the analyst’s discretion to choose the appropriate number of accounting periods.
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You can do horizontal analysis using only two periods for the comparison, but it’s highly recommended you use more to avoid drawing and acting on less accurate conclusions.
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Understanding how each component impacts overall profitability is essential for investors, creditors, and stakeholders when making informed financial and investment decisions.
You can choose whatever interval (month-over-month, year-over-year, etc.), but each iterative financial statement should be equal distance away regarding when it was issued compared to other bits of financial information.
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In the final section, we’ll perform a horizontal analysis on our company’s historical balance sheet. The first step to performing a horizontal analysis is to calculate the net difference — in dollar terms ($) — between the comparable periods. We’ll start by inputting our historical income statement and balance sheet into an Excel spreadsheet. In other words, vertical analysis can technically be completed with one column of data, but performing horizontal analysis is not practical unless there is enough historical data to have a useful point of reference. For instance, if a most recent year amount was three times as large as the base year, the most recent year will be presented as 300.
Using vertical analysis, an analyst evaluates the income statement of a technology firm to understand how each line item contributes to total revenue. The analysis reveals that while revenue has increased, marketing expenses as a percentage of revenue have grown disproportionately. This shift in expense structure could indicate that the company is investing heavily in customer acquisition. The analyst assesses whether this investment aligns with increased market share or improved revenue growth, providing insights into the company’s strategic choices and potential for long-term profitability.
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For this, we compare the absolute change ($) and percentage change (%) in all the line items from one period to the other. One should ideally take three or more accounting periods/years to identify trends and how a company is performing from one year/accounting period to the next year/accounting period. A company’s financial statements – such as the balance sheet, cash flow statement, and income statement – can reveal operational results and give a clear picture of business performance. In the same vein, a company’s emerging problems and strengths can be detected by looking at critical business performance, such as return on equity, inventory turnover, or profit margin.
For example, a low inventory turnover would imply that sales are low, the company is not selling its inventory, and there is a surplus. This could also be due to poor marketing or excess inventory due to seasonal demand. Horizontal analysis also makes it easier to detect when a business is underperforming. Consistency and comparability are generally accepted accounting principles (GAAP).
However, you can do this very quickly for multiple years, particularly if you’re interested in long-term trends. For this example, I will carry out the analysis of the data reported for 2021 and 2022. However, you can do this quickly for multiple years, particularly if you’re interested in long-term trends. I’m sharing tales from the trenches of over a decade of finance and accounting experience from Fortune 100 companies to spirited startups. Now comes the fun part—analyzing what these changes mean to business performance.
The horizontal analysis formula in this case for the variance column is shown in the example below for the revenue line item. Rather than an item in the statement, a whole accounting period is used as the base period and its items are used as the base elements in all comparative statements. Horizontal analysis may be executed in a manner that makes a company’s financial health look way better than it is. It is mostly done by companies when presenting external stakeholders with information about the business in a bid to deceive them.
Such analysis provides valuable insights into why any of these line items rose or fell sharply or markedly in year 2, compared to year 1. For example, net income could fall sharply in year 2, despite a rise in sales, due to a marked rise is interest on a home equity line of credit in the cost of goods sold, marketing expenses, administrative expenses, and/or depreciation expenses. For example, an analyst may get excellent results when the current period’s income is compared with that of the previous quarter.
This suggests a Rs. 30,000 increase in the cost of products sold during the said period. In the same way, the absolute change is as described below if the cost of products sold was Rs. 60,000 in 2019 and Rs. 90,000 in 2020. For example, let’s say Reliance Industries had revenue of Rs.5,00,000 crores in 2023 (base year) and revenue of Rs.6,00,000 crores in 2024 (current year). Insert a column to the right of ‘2022’ and click on the cell corresponding to the first revenue line item. Fortunately, tools like Google Sheets or Excel allow you to set up templates, so you can forget about the calculations and focus on analysis. Using Layer, you can also automate data flows and user management, so you can gather the data automatically, carry out the analysis, and automatically share results and reports with the right users.
