The net rates of return on the mutual
fund will then flow through the
calculation sheets to produce a true apples - to - apples comparison with the life insurance company products.
Take the cost to acquire the goods (without co-op agents selling your MLS listings, perhaps they would never sell and this is in fact «a cost») away from the gross dollars coming in, before you do any other
calculations, (of course after co-op fees are paid) they are part of trust
funds and can not be allotted to any other category, even so they appear on the Balance
Sheet as a payable) because those costs are in fact fixed expenses, and must be deducted from gross BRANCH income before anything else, making the co-op dollars, in fact, part of the cost of doing business.