Direct effects of changes in an accounting principle are those necessary to implement the change and are applied retrospectively

Briefly describe the three most common approaches to cloud computing, and compare the risk levels and potential economic benefits of each approach

Your total cash income is $40,000 . You pay $5,000 in taxes and $30,000 in other expenses. Your savings ratio is

a. 7.5% b. 10.0% c. 12.5%. d. 13.3%. e. 14.3%.