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28.11.2013
The balance sheet is a very important financial statement that summarizes a company's assets (what it owns) and liabilities (what it owes). No balance sheet statement is complete (in my opinion) without an income statement to go along with it. The balance sheet informs company owners about the net worth of the company at a specific point in time. These include the obligations to be paid within one year, including accounts payable, short-term loans, income taxes payable, wages, unearned revenue (e.g. This is basically the amount left over when you subtract Total Liabilities from Total Assets.
Disclaimer: This balance sheet spreadsheet and the information on this page is for illustrative and educational purposes only. Black homeownership: How the recession turned owners into renters and obliterated black American wealth. In 2005, three years before the Great Recession, the median black household had a net worth of $12,124. It was a startling retrenchment, creating the largest wealth, income, and employment gaps since the 1990s. And in the event that black households are able to save and afford a home, they aren’t as financially secure as their white counterparts. Apropos of that observation, recent data from the Bureau of Labor Statistics shows an incredible level of youth unemployment for blacks and Latinos. Likewise, the challenges of black homeownership are a function of discriminatory housing policy, as are a whole host of other problems, from mass incarceration and overly punitive policing to poor air quality and food access.
For reasons both political and ideological, it’s nearly verboten in mainstream conversation to argue that racialized problems require race-conscious solutions.
While conservatives and Republicans can play a role here, it’s Democrats who are committed to reducing income inequality and bringing balance to our lopsided economic system.


State hospitals are not always the best option and a medical aid from a leading health insurance company is always the best option.
As a small business owner, I find the income statement to be more useful in the general operation of the business, but the balance sheet is still a critical accounting tool that provides a key piece of information. This is done by subtracting the total liabilities from the total assets to calculate the owner's equity, also known as shareholder's equity (for corporations) or simply the net worth.
Common current assets includes cash (cash, coin, balances in checking and savings accounts), accounts receivable (amounts owed to your business by your customers usually within 10-60 days), inventory (goods for sale), and prepaid expenses (e.g. In includes the owner's investment(s) and retained earnings (the portion of the profits reinvested in the business). And, if a new study from researchers at Cornell University and Rice University is any indication, these gaps are deep, persistent, and difficult to eradicate. Simply put, African-Americans are much more likely than whites to switch from owning homes to renting them. Even after adjusting for socio-economic characteristics, debt loads, education, and life-cycle traits like divorce or job loss, blacks were more likely to lose their homes than whites.
To wit, middle-class African-Americans are more likely to belong to the lower middle class of civil servants and government workers—professions that, in the last five years, have been slashed as a consequence of mass public-sector downsizing.
In addition to showing the consequences of past discrimination, Sharp and Hall argue that African-Americans have been victimized by a new system of market exploitation.
That means they’re more likely to lose their accumulated wealth and to slide down the income ladder, and less likely to pass the advantages of status and mobility to their children. More than 21 percent of African-Americans aged 16 to 24 are out of work, compared with a national average of 14.2 percent. These challenges are heavily location-dependent, which is another way to say they are heavily racialized and most prevalent in the segregated, working-class or low-income communities that characterize life for most African-Americans, even those with middle-class incomes. Knowing what we know about the demographics of foreclosures, for example, we should ensure any program to help underwater homeowners includes a specific measure to assist black victims of predatory lending, who may need additional help to get on sure footing.


You can also see how the company resources are distributed and compare the information with similar companies. By contrast, whites lost 11 percent in wealth, lost 24 percent in home equity, and gained 9 percent in retirement savings. The combination of redlining, block-busting, racial covenants, and other discriminatory measures means that, even now, a majority of blacks live in neighborhoods with relatively poor access to capital and mortgage loans. Banks like Wells Fargo steered blacks and other minorities into the worst subprime loans, giving them less favorable terms than whites and foreclosing on countless homes. Even during the boom economy of the 1990s, black employment lagged behind the national average.
What’s more, this systematic discrimination has left many black households unable to afford down payments or other housing costs, even if loans are available. In a 2012 lawsuit, the ACLU and National Consumer Law Center alleged that the now-defunct New Century Financial, working with Morgan Stanley, pushed thousands of black borrowers into the riskiest loans, leaving many in financial ruin. As early as 2005, the Wall Street Journal reported that blacks were twice as likely to receive subprime loans. The Center for American Progress estimates that the young adults who experienced long-term unemployment during the worst of the recession will lose more than $20 billion in earnings over the next 10 years. And in a New York University study published last year, researchers found that black and Hispanic families making more than $200,000 a year were more likely to receive subprime loans than white families making less than $30,000. And given the slow recovery, odds are good they’ll never recover those lost earnings.



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