Potential Unreported Income

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Introduction

Individuals and businesses should present a complete disclosure of income in the financial reports. Unreported revenue comprises of certain income that a taxpayers fail to report in their tax returns. The tax payers aim is to avoid paying tax or reduce tax obligation. There are a number of ways that can be used to discover unreported revenue.

They include bank deposit method, net worth method, source and application of funds method, lifestyle audit, third party contacts, and mark up analysis among others.

Selection of a suitable approach to use depends on a number of factors such as industry in which the customer operates, the permanence of assets and liabilities, stability of net worth over a number of years, availability of clients financial information, and banking practices of the customer among others. Indentifying unreported income is commonly carried out by auditors and tax authorities.

Aim of the paper

The paper determines availability of unreported income for Mr. Jung. It uses the net worth method, sources and application of funds method, and bank deposit method. It also talks about the reasonableness of the estimates and the drawbacks of the three methods used for estimation.

Net worth method

The difference between assets and liabilities for a definite period gives the net worth for the client. The value obtained is compared with the net worth for prior years. unfounded rate of increase of net worth for different periods gives indications for unreported income.

In this approach, it is necessary to compute accuratelty the net worth of the client at the beginning and end of the period. The increase in net worth that cannot be accounted for gives an idea about unreported income.

Computation of unreported income using net worth approach

Total assets

Assets 31/12/2009 31/12/2010
1 Chase bank 15,000 112,500
2 TD Ameritrade 50,000 75,000
3 Rental property 400,000 405,000
4 Personal residence 800,000 800,000
5 Vehicles 33,000 55,000
6 Bank of Nova 240,000 230,000
Total 1,538,000 1,677,500

Total liabilities

Liabilities 31/12/2009 31/12/2010
1 Mortgage residence 200,000 188,000
2 Mortgage – Commercial property 300,000 176,000
Total 500,000 364,000

Unreported income

Assets 1,677,500
Less Liabilities 364,000
Net worth of 2010 1,313,500
Less Prior year net worth (for 2009) 1,038,000
Add Living expenses 60,000
Net income (expenses) 335,500
Less Funds from known sources 307,000
Funds from unknown sources 28,500

Explanation

From the calculation above, unreported income totaled to $28,500. It means that the changes in net worth in the two years could not be supported. The results obtained from the calculations are not reasonable. The method relies on a number of assumptions that are not realistic.

For instance, it assumes that the client keeps money in financial institutions. It also assumes that the records of income and expenses are accurate. These two weaknesses depend on the customer’s readiness to reveal required information. Besides, the investigator may not be able to identify private assets acquired during the year.

Sources and application of funds method

The approach evaluates expenses and income of the client. All known sources of funds should be used in this calculation. Undisclosed income is the excess of uses over sources.

Calculation of unreported income using sources and application of funds method

Expenses
1 Estimated living expenditure 60,000
2 Mortgage –residence 12,000
3 Mortgage – commercial 24,000
4 Stipend to mother 12,000
5 Suburban 40,000
6 Trip expenses 24,000
Total 172,000

Known sources of funds

1 Income 207,000
2 Investment income 21,000
3 Rental income 12,000
4 Tax refund 12,000
5 Loan 25,000
6 Sale of a vehicle 20,000
7 Inheritance 10,000
Total 307,000

Unreported income

Expenditure 172,000
Subtract Known sources of funds 307,000
Funds from unknown sources -135,000

Explanation

From the calculations, revenues exceed expenses. It means that client did not unreported income. However, the estimates are not reasonable. For instance, the known funds used in the calculations are less than the totoal net chas deposit in the bank.

The difference shows the inaccuracy of the estimates. The approach has several weaknesses for instance, the customer may understate revenue or overstate expenses. Also, the method assumes that the customer will disclose all his spending. These assumptions reduce the effectiveness of the method.

Bank deposit method

Bank deposit method bank transactions of the customer these are, debits and credit. Changes are made to remove transfers between banks and non income deposits. The method is is beneficial since shows trends that are essential in giving an indication of the possibility of unreported income.

For instance, it shows the regularity of making deposits into the accounts, transfers made by the customer, period within the subject was involved in income generating activities, and the source of the deposits.

Calculation of unreported income

Chase bank Bank of Nova Scotia
Deposits Checks Deposits Checks Total deposits Total checks
Jan 18,250 10,000 5,000 0 23,250 10,000
Feb 18,250 10,250 5,000 70,000 23,250 80,250
March 18,250 10,500 5,000 0 23,250 10,500
April 18,250 11,000 5,000 12,000 23,250 23,000
May 28,250 10,250 5,000 0 33,250 10,250
June 18,250 10,000 5,000 0 23,250 10,000
July 18,250 10,000 5,000 0 23,250 10,000
Aug 43,250 10,250 5,000 0 48,250 10,250
Sept 18,250 10,000 5,000 0 23,250 10,000
Oct 38,250 11,000 5,000 12,000 43,250 23,000
Nov 18,250 10,000 5,000 0 23,250 10,000
Dec 18,250 45,000 5,000 0 23,250 45,000
Total 274,000 158,250 60,000 94,000 334,000 252,250
Cash expenses
1 Estimated living expenditure 60000
2 Mortgage –residence 12,000
3 Mortgage – commercial 24,000
4 Stipend to mother 12,000
5 Suburban 40,000
6 Trip expenses 24000
172000
Funds from known sources
1 Income 207,000
2 Investment income 21,000
3 Rental income 12,000
4 Tax refund 12,000
5 Loan 25,000
6 Sale of a vehicle 20,000
7 Inheritance 10,000
Total 307,000

Unreported income

Total deposits to all accounts 334,000
Less Transfer and redeposits 12,000
Net deposits to all accounts 322,000
Add Cash expenditures 172,000
Total receipts from all sources 494,000
Less Funds from known sources 307,000
Funds from unknown sources 187,000

Explanation

From the calculations, unreported income totaled to $187,000. The result is reasonable because it takes care of all the financial activities of the client. The method assumes that the customer banks all revenues. Also, the method cannot be relied on when the client records are inadequate, do not exist or show possibility of manipulation.

Conclusion

The paper identifies the availability of unreported income for the client using three approaches. The results of the calculations show that the clien didi not disclose some income. The three methods used cannot be relied on with certainity since they are not effective. However, they give a hint of the availability of unreported income.

In addition, they give information about the client such as regularity of income, sources of income, and how the customer spend his earnings. An investigator should use effective approaches such as unit and volume method and mark up method to determine unreported income.

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