00:09Now, we can go to the finance charges.
00:11we can go to the settings for the changes
00:14to the preferences that we can use.
00:16Click it.
00:21Click the window of Assessed Finance Charge.
00:24Click the settings button.
00:28Now, we can go to the Pre-Prentices
00:30under the Finance Charge
00:33on the Company Pre-Prentices
00:35the annual interest rate percentage.
00:38In the previous lesson,
00:40we can go to the minimum finance charge
00:44and the grace period as days.
00:49Let's review the overview of the invoice
00:52of Janir Ramirez.
00:54Cancel ko muna ito.
00:55Balik tayo dito sa Assessed Finance Charges.
00:58Makikita nyo po,
00:59ito si Janir Ramirez.
01:00Meron pong overdue na 44,000.
01:03Sa ating previous lesson,
01:04sinabi ko po
01:04na kahit anong date pa ng inyong computer,
01:07tapos binago nyo yung assessment date,
01:10bibigyan tayo ng computation
01:11ni QuickBooks
01:13sa finance charges
01:14base po sa assessment date
01:15na sinet natin.
01:18Bibigyan po tayo ng computation
01:19ni QuickBooks
01:20dito sa ating finance charges
01:21base po sa assessment date
01:23na sinet natin.
01:24Kaya po naging 104,
01:26yung finance charges natin,
01:27nung sinet natin,
01:29nung July 10,
01:30dito sa ating assessment date.
01:33Tandaan ninyo,
01:34104.11
01:36at yung July 10,
01:382026.
01:39Kung baguhin ko to
01:41to August 1
01:42or August 29,
01:46from 104.11
01:48naging
01:501931.51.
01:52Base po yan sa annual rate
01:53na 5%.
01:55Ngayon po,
01:55tignan natin yung report natin
01:56kay Jenny Ramirez
01:57kung ano ba yung status
01:58ng invoice na ito.
02:01Punta po tayo sa minubar
02:02sa reports,
02:02tapos
02:04customers and receivables,
02:06tapos
02:06AR aging detail.
02:11Arrange ko lang to sandali.
02:13Ang invoice pala ni Jenny Ramirez
02:16ay tinansak nung December 22, 2025
02:19at dahil meron po itong 10 days na term
02:21after 10 days nung December 22, 2025,
02:24January 1, 2026
02:26yung last day nito sa kanyang terms.
02:28Kaya pagdating ng January 2,
02:30first day po yun ng kanyang overdue.
02:33Kaya po,
02:34dito sa AR aging detail na report,
02:36pareho po sa assess finance charges
02:38pag inalaw natin yung date nito
02:39at ibalik natin
02:41to January 2,
02:45tapos i-refresh natin,
02:47umakyat po yung invoice
02:48ni Jenny Ramirez
02:49at pumasok na po
02:50sa section ng 30 days.
02:52Tapos kung ibabalik natin to
02:54sa January 1,
02:57babalik po siya sa current.
02:58Pasok po siya ulit
02:59sa kanyang 10 days na term.
03:03Pero iset natin sa January 2
03:04para matandaan ninyo
03:06na ang January 2
03:08yung first day
03:08ng kanyang overdue.
03:12Tabi ko lang to,
03:14ipareho po natin
03:15dito sa assess finance charges.
03:16Gawin natin January 2.
03:22Ayan po.
03:25So first day po
03:26ng kanyang overdue
03:27which is January 2,
03:30ang computation po
03:32ay 0.55.
03:36So ganun po, 0.55
03:38yung first day na charge
03:39sa kanyang finance charges
03:42na 5%
03:43base po
03:44sa annual interest rate.
03:48Kung iset natin
03:49January 31,
03:51wala dito,
03:54lumalaki po
03:54yung kanyang finance charge.
03:58Dito na natin magagamit
03:59yung minimum finance charges.
04:01Kasi kunwari
04:02naliliitan kayo
04:03sa 16.44
04:04after 30 days.
04:06Kasi dito,
04:07sinet natin dyan
04:08January 31
04:09yung computation.
04:11Punta tayo dito
04:12sa settings na button.
04:16Tapos dito sa minimum
04:17finance charge,
04:18gawin natin 30.
04:23Tapos click natin
04:24yung OK.
04:25Kaya po ngayon
04:26si January Ramirez,
04:2730 na po
04:28yung minimum finance charge.
04:35After one month
04:36na February 28,
04:39doon lang po dumagtag
04:40ng kaunti
04:41yung kanyang finance charge.
04:43Ibig sabihin,
04:46January 2
04:49hanggang January 31,
04:5330 pesos po yung
04:54babayaran niya.
04:55Meron pong advance.
04:58Hindi na po,
05:00katunang walang minimum
05:00finance charge,
05:02napakaliit lang po.
05:0316.44
05:0516.44
05:14May butal po palagi.
05:17Kaya po,
05:18pwede tayo magset ng minimum charge
05:19para
05:20may counting advance
05:22yung pagsingil natin
05:23sa ating finance charges.
05:27Ayan po,
05:2830 kaagad.
05:29Ganun lang.
05:32Tapos,
05:33pagdating ng February
05:35or March,
05:36pwede na po
05:37to lumampas ng 30.
05:40So sa first month po,
05:42meron tayong minimum charge
05:43parang advance payment po.
05:45Parang ni-round off po
05:46yung buong buwan
05:46ng January.
05:49Kaya ganun lang po
05:49kasimple gamitin.
05:51Ito ang minimum finance charge.
05:55I-zero ko muna ito ulit.
05:57Tapos,
05:58dito naman tayo
05:58sa grace period days.
06:00Kunwari,
06:003 days yung ilalagay ko.
06:04Okay natin?
06:06Diba sabi ko sa inyo
06:08na January 1
06:09yung last day
06:10ng kanyang terms?
06:11So, January 2,
06:13doon na mag-umpisa
06:13mag-compete si QuickBooks
06:14sa kanyang finance charges.
06:16Pero ngayon,
06:17meron tayong 3 days
06:18na grace period
06:19o palugit.
06:21Baik tayo sa January 1.
06:23Kung January 1,
06:24wala po siya
06:25kasi nasa terms pa po siya.
06:27Ngayon po,
06:28dapat mayag na itong competition
06:29ngayong January 2.
06:32January 2 na,
06:33pero walang lumalabas.
06:35January 3,
06:38wala pa rin.
06:42January 4,
06:45wala pa rin.
06:49January 5 kaya?
06:52Meron na.
06:54Kasi,
06:55dahil po ito sa ating sinet
06:57na grace period.
06:58Imbis po kasi
06:59January 2 yung kanyang
07:00overdue,
07:00mag-umpisa mag-charge
07:01ng finance charge,
07:02nagset tayo ng 3 days
07:03na grace period
07:04o palugit.
07:05Kaya yung 3 days,
07:07dumagdag po
07:07sa kanyang overdue
07:08simula nung
07:10January 2,
07:11January 3,
07:12at January 4.
07:12Kaya ngayon,
07:14dahil nagset tayo ng
07:143 days na grace period,
07:16nadagdagan ng 3 days.
07:17Kaya simula
07:17nung January 2
07:18hanggang January 4,
07:20yan po yung 3 days
07:20na palugit,
07:21at naging January 5
07:22na yung kanyang
07:23overdue day.
07:25Pero sa assess finance charge
07:26lang po yan ha,
07:27kasi kung dito po
07:28sa ating report
07:29sa AR aging detail,
07:31January 2 pa rin,
07:32yung kanyang overdue,
07:33hindi January 5.
07:38Kaya yung pa po,
07:39yung mga iba pang preferences
07:40natin,
07:40dito sa ating finance charge.
07:42Kung makakatulong sa inyo
07:43yung minimum finance charge
07:44as advance,
07:45kunwari gusto nyo
07:46palakihin yung minimum
07:47finance charge,
07:48magset lang po kayo dyan.
07:49Itong grace periods
07:50naman,
07:51as days,
07:51nagdagdag po kayo ng palugit.
07:53So maie-extend po
07:54yung kanyang terms.
07:55Pero sa loob lang po yan
07:56ang finance charge,
07:57hindi po sa report
07:58natin sa ating aging.
08:01Idagdag ko na rin po,
08:02itong invoice bill date option.
08:04Pag ito po yung pinili natin,
08:06imbis sa due date
08:07mag-umpisa
08:08mag-compute si QuickBooks
08:09para po sa interest charge,
08:11mag-umpisa po siya
08:12nung tinansak natin
08:13yung invoice.
08:15Kaya po medyo mapapaaga
08:17yung pag-compute
08:18ni QuickBooks
08:18pag ito yung gagamitin natin.
08:20At medyo lalaki din
08:21yung finance charge natin.
08:27Ang galing ko muna
08:28itong grace period
08:29para gumana ito
08:30ng mabuti.
08:31Tapos click natin yung OK.
08:34Makikita natin dito,
08:36December 22
08:36kasi tinansak
08:37yung invoice
08:38ni Jenny Ramirez.
08:39Ngayon po,
08:41pag gawin natin
08:41itong December 23,
08:46may computation na kagal
08:48si QuickBooks
08:48which is hanggang January 1 pa
08:50yung kanyang terms
08:51na 10 days.
08:54Kaya dapat,
08:55January 2 yung computation niya.
08:57At dahil hindi due date
08:58yung sinet natin,
09:02nakaset po ito
09:03sa transaction date.
09:04Kaya after transaction date
09:06which is December 23,
09:09doon na po nagcompute
09:10si QuickBooks.
09:12Kaya kung gusto nyo itong
09:13option na ito,
09:14pwede din po.
09:15Magcharge po kaagad kayo
09:16na interest charge
09:17pagkatapos mag-invoice
09:18o pagkatapos mag-transact.
09:20Pero normally po,
09:22sa due date po kino-compute.
09:25Kaya yun po yung mga option
09:26na pwede din natin magamit
09:28gamit ang finance charges.
09:30Annual interest rate,
09:32minimum finance charge,
09:34grace period,
09:35at itong invoice bill date
09:37or due date
09:39sa calculate charges from.
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