決算や相続の場面で必要になることがあり、どこの金融機関でも依頼すると発行してくれます。 残高証明書は各金融機関が提供しているサービスで発行している書類であるため、特に決まったフォームはありません。. 法人や個人の決算時に預金残高（または借入金残高）を検証する目的で、残高証明書が使われることがあります。 そのため、必ず決算日時点の残高を証明してもらうように金融機関に依頼する必要があります。 自社の帳簿残高と金融機関の残高証明書とが一致しているかどうかを確認することにより、帳簿残高が正しいことを確かめます。. 決算にあたって必ずしも残高証明書を入手する必要はなく、「通帳」や「入出金明細」でも問題ありません。 確定申告にあたり税務署への提出が必要ということもありませんし、税務調査で残高証明書の提出を求められることもありません。 「通帳」では証明力が劣るということもありません。.

残高証明書を発行してもらうには金融機関の手数料が必要になります（手数料については後述）。 取引のあるすべての金融機関のすべての支店に残高証明書の発行を依頼すると、その数が多ければ金額も大きくなってしまいます。 そのコストを削減するために「通帳」や「入出金明細」のみで済ませる場合があります。 なお、残高証明書の手数料の会計処理は、一般的には「支払手数料」の勘定科目で処理します。 会計上は費用計上が可能ですし、税務上も損金（必要経費）計上が可能になっています。.

Menipu saat menjadi affiliator trading Binomo, Indra Kenz dilaporkan 8 orang korban ke Bareskrim Polri pada 3 Februari lalu. Korban mengaku mengalami kerugian mencapai Rp 2,4 miliar. Merespon laporan tersebut, Indra Kenz dipanggil untuk melakukan pemeriksaan.

Setelah sempat absen dengan alasan berobat ke Turki, Indra Kenz akhirnya memenuhi panggilan Bareskrim Polri pada 24 Februari Setelah diperiksa selama kurang lebih 7 jam oleh penyidik, pria dengan nama lengkap Indra Kesuma itu ditetapkan sebagai tersangka dan kemudian ditahan. Dia dinyatakan bersalah karena melakukan tindak pidana menyebarkan berita bohong yang menyesatkan sehingga merugikan korban melalui ITE dan melakukan tindak pidana pencucian uang TPPU. Seluruh aset Indra Kenz lalu disita pihak kepolisian, seperti dokumen bukti setor dan tarif berikut rekening koran korban, akun YouTube, video konten, satu unit Tesla, satu unit Ferrari, dan masih banyak lainnya.

Total aset yang disita mencapai Rp 57,2 miliar. Kasus Indra Kenz ini menyeret nama pengusaha Rudy Salim karena Indra kerap kali membeli mobil mewah dengannya. Atas kasus ini, Indra Kenz dijatuhkan hukuman penjara 10 tahun, dan divonis membayar denda sebesar Rp 5 miliar, bila tidak dibayar diganti dengan pidana penjara selama 10 bulan.

Vonis ini lebih ringan daripada tuntutan jaksa penuntut umum yang menginginkan Indra dihukum dengan pidana 15 tahun penjara dan denda sebesar Rp10 miliar subsider satu tahun penjara. Setelah Indra Kenz, Doni Salmanan juga ikut dilaporkan korban ke pihak berwajib karena masalah penipuan yang menyangkut aplikasi trading ilegal, Quotex. Doni kemudian memenuhi panggilan polisi sebagai saksi pada 8 Maret Saat itu, dia diperiksa selama hampir 13 jam dan dicecar 90 pertanyaan oleh penyidik.

Setelah menjalani pemeriksaan, Doni Salmanan lalu ditetapkan sebagai tersangka dan langsung ditahan. Doni Salmanan dijerat dengan beberapa pasal secara berlapis, seperti Undang-undang ITE, KUHP, dan Undang-undang Tindak Pidana Pemberantasan Pencucian Uang atau TPPU. Setelah polisi resmi menetapkan Crazy Rich Bandung itu sebagai tersangka, sejumlah barang bukti pun disita petugas, mulai dari akun YouTube pribadi hingga bukti deposit aktivitas trading.

Tak hanya itu, polisi juga akan menyita aset yang berkaitan dengan kasus Doni Salmanan, seperti rumah dan mobil mewah. Kasus Doni Salmanan menyeret beberapa nama artis, seperti Arief Muhammad, Rizky Billar - Lesti Kejora, Reza Arap, Rizky Febian, Alffy Rev hingga Atta Halilintar.

Para Selebriti ikut diperiksa karena menerima uang secara cuma-cuma dan ada juga yang karena Doni membeli barang mewah milik sang selebriti. Atas kasus ini, Jaksa Penuntut Umum Kejaksaan Negeri Kabupaten Bandung menuntut Doni Muhammad Taufik alias Doni Salmanan dihukum 13 tahun penjara. Doni juga dituntut hukuman denda sebesar Rp 10 miliar atau diganti 1 tahun penjara jika tidak mampu membayar denda. Setelah Indra Kenz dan Doni Salmanan, Kapten Vincent Raditya juga sempat dilaporkan ke polisi atas dugaan penipuan trading binary option Oxtrade.

Dia dilaporkan oleh dua pelapor yang berbeda ke Polda Metro Jaya. Laporan pertama pada 28 Maret , sedangkan yang kedua pada 31 Maret Namun belum ada perkembangan kasus tersebut setelah Vincent dijadikan saksi. Dari kasus Indra Kenz dan Doni Salmanan, banyak hikmah yang bisa didapatkan, salah satunya ketika ingin menjadi kaya tidak bisa dilakukan secara instan, namun semua harus penuh perjuangan. Sejumlah berita yang disiarkan ANTARA pada laman Humaniora dan Warta Bumi selama sepekan 11 -- 18 Desember menarik perhatian pembaca, mulai dari pernikahan Kaesang-Erina hingga rumah tahan Kepala Staf Kepresidenan KSP Moeldoko mengatakan perlu dilakukan edukasi dan sosialisasi terkait pentingnya sumber pangan alternatif untuk mengurangi ketergantungan masyarakat terhadap The fiscal impact is increased state revenues, possibly reaching tens of millions of dollars annually.

Some of these revenues would support increased state regulatory and enforcement costs that could reach the low tens of millions of dollars annually. If the election were held today, would you vote yes or no on Proposition 26? Initiative Constitutional Amendment. It allows Indian tribes and affiliated businesses to operate online and mobile sports wagering outside tribal lands. It directs revenues to regulatory costs, homelessness programs, and nonparticipating tribes.

Some revenues would support state regulatory costs, possibly reaching the mid-tens of millions of dollars annually. If the election were held today, would you vote yes or no on Proposition 27?

Initiative Statute. It allocates tax revenues to zero-emission vehicle purchase incentives, vehicle charging stations, and wildfire prevention. If the election were held today, would you vote yes or no on Proposition 30?

Do you agree or disagree with these statements? Overall, do you approve or disapprove of the way that Joe Biden is handling his job as president? Overall, do you approve or disapprove of the way Alex Padilla is handling his job as US Senator? Overall, do you approve or disapprove of the way Dianne Feinstein is handling her job as US Senator?

Overall, do you approve or disapprove of the way the US Congress is handling its job? Do you think things in the United States are generally going in the right direction or the wrong direction? How satisfied are you with the way democracy is working in the United States? Are you very satisfied, somewhat satisfied, not too satisfied, or not at all satisfied? These days, do you feel [rotate] [1] optimistic [or] [2] pessimistic that Americans of different political views can still come together and work out their differences?

What is your opinion with regard to race relations in the United States today? Would you say things are [rotate 1 and 2] [1] better , [2] worse , or about the same than they were a year ago?

When it comes to racial discrimination, which do you think is the bigger problem for the country today—[rotate] [1] People seeing racial discrimination where it really does NOT exist [or] [2] People NOT seeing racial discrimination where it really DOES exist? Next, Next, would you consider yourself to be politically: [read list, rotate order top to bottom].

Generally speaking, how much interest would you say you have in politics—a great deal, a fair amount, only a little, or none? Mark Baldassare is president and CEO of the Public Policy Institute of California, where he holds the Arjay and Frances Fearing Miller Chair in Public Policy. He is a leading expert on public opinion and survey methodology, and has directed the PPIC Statewide Survey since He is an authority on elections, voter behavior, and political and fiscal reform, and the author of ten books and numerous publications.

Before joining PPIC, he was a professor of urban and regional planning in the School of Social Ecology at the University of California, Irvine, where he held the Johnson Chair in Civic Governance. He has conducted surveys for the Los Angeles Times , the San Francisco Chronicle , and the California Business Roundtable.

He holds a PhD in sociology from the University of California, Berkeley. Dean Bonner is associate survey director and research fellow at PPIC, where he coauthors the PPIC Statewide Survey—a large-scale public opinion project designed to develop an in-depth profile of the social, economic, and political attitudes at work in California elections and policymaking. He has expertise in public opinion and survey research, political attitudes and participation, and voting behavior.

Before joining PPIC, he taught political science at Tulane University and was a research associate at the University of New Orleans Survey Research Center.

He holds a PhD and MA in political science from the University of New Orleans. Rachel Lawler is a survey analyst at the Public Policy Institute of California, where she works with the statewide survey team. In that role, she led and contributed to a variety of quantitative and qualitative studies for both government and corporate clients. She holds an MA in American politics and foreign policy from the University College Dublin and a BA in political science from Chapman University.

Deja Thomas is a survey analyst at the Public Policy Institute of California, where she works with the statewide survey team. Prior to joining PPIC, she was a research assistant with the social and demographic trends team at the Pew Research Center. In that role, she contributed to a variety of national quantitative and qualitative survey studies. She holds a BA in psychology from the University of Hawaiʻi at Mānoa. This survey was supported with funding from the Arjay and Frances F.

Ruben Barrales Senior Vice President, External Relations Wells Fargo. Mollyann Brodie Executive Vice President and Chief Operating Officer Henry J. Kaiser Family Foundation. Bruce E. Cain Director Bill Lane Center for the American West Stanford University.

Jon Cohen Chief Research Officer and Senior Vice President, Strategic Partnerships and Business Development Momentive-AI. Joshua J. Dyck Co-Director Center for Public Opinion University of Massachusetts, Lowell.

Lisa García Bedolla Vice Provost for Graduate Studies and Dean of the Graduate Division University of California, Berkeley. Russell Hancock President and CEO Joint Venture Silicon Valley. Sherry Bebitch Jeffe Professor Sol Price School of Public Policy University of Southern California. Carol S. Larson President Emeritus The David and Lucile Packard Foundation.

Lisa Pitney Vice President of Government Relations The Walt Disney Company. Robert K. Ross, MD President and CEO The California Endowment. Most Reverend Jaime Soto Bishop of Sacramento Roman Catholic Diocese of Sacramento. Helen Iris Torres CEO Hispanas Organized for Political Equality. David C. Wilson, PhD Dean and Professor Richard and Rhoda Goldman School of Public Policy University of California, Berkeley.

Chet Hewitt, Chair President and CEO Sierra Health Foundation. Mark Baldassare President and CEO Public Policy Institute of California. Ophelia Basgal Affiliate Terner Center for Housing Innovation University of California, Berkeley. Louise Henry Bryson Chair Emerita, Board of Trustees J. Paul Getty Trust. Sandra Celedon President and CEO Fresno Building Healthy Communities. Marisa Chun Judge, Superior Court of California, County of San Francisco.

Steven A. Leon E. Panetta Chairman The Panetta Institute for Public Policy. Cassandra Walker Pye President Lucas Public Affairs. Gaddi H. Vasquez Retired Senior Vice President, Government Affairs Edison International Southern California Edison.

The number of American households that were unbanked last year dropped to its lowest level since , a dip due in part to people opening accounts to receive financial assistance during the pandemic, a new report says. Roughly 4. households — or 5. Gruenberg said in a statement. A lack of banking options delayed some households from getting federal payments aimed at helping the country weather the economic fallout from the COVID health crisis.

Battle against predatory lending: Mississippi social justice firm fights payday 'predatory lending' in low-income communities.

Checks arrived late for some of the unbanked: For 'unbanked' Americans, pandemic stimulus checks arrived slowly and with higher fees. But that could change. The FDIC initiated an educational campaign to get more Americans to open an account to enable the direct deposit of those funds. And banks such as Capital One and Ally Financial ended overdraft and other fees that have been a key barrier to some Americans accessing the banking system. A household is deemed unbanked when no one in the home has an account with a bank or credit union.

That share of households has dropped by nearly half since households were unbanked, the highest since the start of the survey, and the record low reached in , roughly half of the drop was due to a shift in the financial circumstances of American households the FDIC says.

Those who have a checking or savings account, but also use financial alternatives like check cashing services are considered underbanked. households, or Many of those who are unbanked say they can't afford to have an account because of the fees for insufficient funds and overdrafts that are tacked on when account balances fall short.

The numbers of the unbanked were greater among households that included those who were working age and disabled, lower income, included a single mother, or were Black or Hispanic. Additionally, last year, homes where the head of household was out of work were nearly five times more likely to not have a bank account as compared to those where the household head was employed.

Recession predictions Is a recession inevitable in ? Here's what experts are saying. Add Topic. Charisse Jones USA TODAY. Battle against predatory lending: Mississippi social justice firm fights payday 'predatory lending' in low-income communities Checks arrived late for some of the unbanked: For 'unbanked' Americans, pandemic stimulus checks arrived slowly and with higher fees.

What does it mean to be unbanked? Who are the underbanked? Featured Weekly Ad.

Denis Nedashnovskiy, Ukraina. Across regions, approval reaches a majority only in the San Francisco Bay Area. Do you still push multi-year contracts, and when there's times like this, do customers have the ability to renegotiate? Do you think things in California are generally going in the right direction or the wrong direction? Elizabeth Warren, who oversaw the CFPB's creation , responded to the ruling on Twitter, writing that "extreme right-wing judges are throwing into question every rule the CFPB enforces to protect consumers and businesses alike.

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