associations, calculate and virtual attributes.

I am considering how to approach the problem of providing client balances. I have considered treating balances as virtual attributes in some fashion approximating this:

class Client < AR ... has_many :ar_transactions, :class => 'Transaction',                             :conditions => { :type => 'ar',                             :valid? = true }

def balance   self.ar_transactions.sum(:balance) end

I am also thinking, at the moment, that the balance of a transaction is similarly a virtual attribute that might look like this:

class Transaction < AR ... has_many :details, :class => 'TransactionDetail',                             :conditions => { :valid? = true, ...

has_many :offsets, :class => 'TransactionJournal',                             :conditions => { ...

# I do not account for the separate treatment of debit and credit items # in this example

def balance   offset = self.offsets.sum(:amount)   total - offset end

def total   self.details.sum(:amount) end

Is this the way I should do this? Is there a better way?