![Understanding Car Insurance//2021 ★ How Car Insurance Works – Understanding Auto Insurance Policy [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1654_0_0jpg.jpg)
Understanding car insurance.✅ Here’s the free service we use to get cheaper car insurance (toll free): 1-855-981-7528. It’s a free by phone service that specializes in locating the cheapest car insurance rates. They perform the tedious task of shopping around, and present you with the cheapest auto insurance provider for your location. We call this service every year before our auto insurance expires. It allows us to discover whether there is a cheaper rate than ours, and has saved us lots of money over the years. Here are some of the topics covered in this video: How to get cheaper auto insurance rates online, get discounts and lower your policy cost, ways to lower vehicle insurance premium cost, which are the best car insurance companies and why Geico, National, Progressive, Allstate, Root, State farm, General, or farmers are not always the best bet. Understanding car insurance and why Dave Ramsey is not always right. Ways to get affordable drivers insurance quotes, how to locate the best cheap automobile insurer for a specific location. For more ways to save on your car insurance rates, see here: https://www.bizmove.com/auto-car-insurance/
![How to Improve Your Leadership Skills//2021 [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1650_0_0jpg.jpg)
Discover How to Improve Your Leadership Skills.✅ 𝗚𝗲𝘁 𝗙𝗥𝗘𝗘 𝗧𝗼𝗼𝗹𝘀 𝗳𝗼𝗿 𝗦𝘁𝗮𝗿𝘁𝗶𝗻𝗴 and Managing 𝗮 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀. 𝗛𝗲𝗿𝗲: https://www.bizmove.com/. You get worksheets, books, checklists, templates, guides, spreadsheets, and more. Business Freebies: Free Stuff for Business Owners and Managers Free Business Books From Amazon: https://www.bizmove.com/free-books-online/business-free-amazon-books.htm Video Guides to Improve Your Management Skills: https://www.bizmove.com/books/management-skills-books.htm 300 Free Business and Management Guides: https://www.bizmove.com/business-management-course/ Free Business Templates and Tools: https://www.bizmove.com/tools/ Free Management Skills Books: https://www.bizmove.com/books/management-skills-books.htm Free Downloadable Business Plan Template: https://www.bizmove.com/business-gifts.htm Free Starting a Business Books: https://www.bizmove.com/books/starting-a-business-books.htm A Comprehensive Resource of Free Management and Business Related Stuff: https://www.bizmove.com/
![Rate Sensitivity of Net Interest Income [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1647_0_0jpg.jpg)
We can determine a bank’s balance sheet type by learning how the bank’s net interest income responds to changes in interest rates. But how can we assess the rate sensitivity of net interest income?We can use the earning gap. It’s calculated as follows:earning gap = (rate-sensitive assets) – (rate-sensitive liabilities)Note that rate-sensitive assets and rate-sensitive liabilities are assets and liabilities whose value changes in response to interest rates.Once you know the earning gap, you can predict the change in net interest income for a given change in the interest rate:change in net interest income = earning gap * change in interest rateThis is a simplified example. In practice, banks group financial instruments into buckets based on their time to maturity (for fixed-rate instruments) and the time until the next rate-reset date (for floating-rate instruments). — Edspira is the creation of Michael McLaughlin, an award-winning professor who went from teenage homelessness to a PhD. Edspira’s mission is to make a high-quality business education accessible to all people. — SUBSCRIBE FOR FREE PDF GUIDES TO THE FINANCIAL STATEMENTS, MANAGERIAL ACCOUNTING, TAX, AND MORE* http://eepurl.com/dIaa5z — HIRE MICHAEL MCLAUGHLIN, PHD, CPA* https://michaelmclaughlin.com/hire-me— GET CERTIFIED IN FINANCIAL STATEMENT ANALYSIS, IFRS 16, AND ASSET-LIABILITY MANAGEMENT* https://edspira.thinkific.com—LISTEN TO THE SCHEME PODCAST * Apple Podcasts: https://podcasts.apple.com/us/podcast/scheme/id1522352725* Spotify: https://open.spotify.com/show/4WaNTqVFxISHlgcSWNT1kc* Website: https://www.edspira.com/podcast-2/—GET TAX TIPS ON TIKTOK* https://www.tiktok.com/@prof_mclaughlin—ACCESS INDEX OF VIDEOS* https://www.edspira.com/index—CONNECT WITH EDSPIRA * Facebook: https://www.facebook.com/Edspira* Instagram: https://www.instagram.com/edspiradotcom* LinkedIn: https://www.linkedin.com/company/edspira—CONNECT WITH MICHAEL * Twitter: https://www.twitter.com/Prof_McLaughlin* LinkedIn: https://www.linkedin.com/in/prof-michael-mclaughlin—ABOUT EDSPIRA AND ITS CREATOR* https://www.edspira.com/about/
![How to Improve Your Negotiation Skills//2021 [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1641_0_0jpg.jpg)
Discover How to Improve Your Negotiation Skills.✅ 𝗚𝗲𝘁 𝗙𝗥𝗘𝗘 𝗧𝗼𝗼𝗹𝘀 𝗳𝗼𝗿 𝗦𝘁𝗮𝗿𝘁𝗶𝗻𝗴 and Managing 𝗮 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀. 𝗛𝗲𝗿𝗲: https://www.bizmove.com/. You get worksheets, books, checklists, templates, guides, spreadsheets, and more. Business Freebies: Free Stuff for Business Owners and Managers Free Business Books From Amazon: https://www.bizmove.com/free-books-online/business-free-amazon-books.htm Video Guides to Improve Your Management Skills: https://www.bizmove.com/books/management-skills-books.htm 300 Free Business and Management Guides: https://www.bizmove.com/business-management-course/ Free Business Templates and Tools: https://www.bizmove.com/tools/ Free Management Skills Books: https://www.bizmove.com/books/management-skills-books.htm Free Downloadable Business Plan Template: https://www.bizmove.com/business-gifts.htm Free Starting a Business Books: https://www.bizmove.com/books/starting-a-business-books.htm A Comprehensive Resource of Free Management and Business Related Stuff: https://www.bizmove.com/
![How to Start a Business Frequently Asked Questions [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1634_0_0jpg.jpg)
How to Start a Business Frequently Asked Questions✅ 𝗚𝗲𝘁 𝗙𝗥𝗘𝗘 𝗧𝗼𝗼𝗹𝘀 𝗳𝗼𝗿 𝗦𝘁𝗮𝗿𝘁𝗶𝗻𝗴 and Managing 𝗮 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀. 𝗛𝗲𝗿𝗲: https://www.bizmove.com/. You get worksheets, books, checklists, templates, guides, spreadsheets, and more. Business Freebies: Free Stuff for Business Owners and Managers Free Business Books From Amazon: https://www.bizmove.com/free-books-online/business-free-amazon-books.htm Video Guides to Improve Your Management Skills: https://www.bizmove.com/books/management-skills-books.htm 300 Free Business and Management Guides: https://www.bizmove.com/business-management-course/ Free Business Templates and Tools: https://www.bizmove.com/tools/ Free Management Skills Books: https://www.bizmove.com/books/management-skills-books.htm Free Downloadable Business Plan Template: https://www.bizmove.com/business-gifts.htm Free Starting a Business Books: https://www.bizmove.com/books/starting-a-business-books.htm A Comprehensive Resource of Free Management and Business Related Stuff: https://www.bizmove.com/
![Inventory Turnover Ratio – Meaning, Formula, Calculation & Interpretations [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1631_0_0jpg.jpg)
This tutorial provides a comprehensive overview of the Inventory Turnover ratio, including its meaning, formula, calculations, and interpretation. Using a practical colgate case study example, we will learn how to calculate this inventory turnover ratio in excel. You can download the Colgate Inventory Turnover Ratio template from this link – https://www.wallstreetmojo.com/ratio-analysis-template/What is Inventory Turnover Ratio?——————————————–The Inventory Turnover Ratio examines how quickly a company replaces its current inventory and converts it into sales. A higher ratio means the company’s product is in high demand and sells quickly, resulting in fewer inventory management costs and more profits. Formula——————————————–Inventory Turnover Ratio Formula = Cost of Goods Sold / Average Inventory Interpretation of Inventory Turnover Ratio——————————————— High Inventory Turnover Ratio – This indicates that the company has done a good job of managing its inventory, with lower holding costs and fewer risks of obsolescence.- Low Inventory Turnover Ratio – This implies that the company’s products aren’t frequently sold in the market, and its inventory becomes slow-moving, resulting in higher inventory costs and lower earnings.For more details, you can refer to our article – https://www.wallstreetmojo.com/inventory-turnover-ratio-formula/Connect with us! YouTube https://www.youtube.com/channel/UChlNXSK2tC9SJ2Fhhb2kOUwLinkedIn https://www.linkedin.com/company/wallstreetmojo/mycompany/Facebook https://www.facebook.com/wallstreetmojoInstagram https://www.instagram.com/wallstreetmojoofficial/?utm_medium=copy_linkTwitter https://twitter.com/wallstreetmojo
![If Employer Pays my Tax, is this Considered Income? [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1603_0_0jpg.jpg)
If your employer pays your taxes for you, do you still owe tax? Yes. Taxes paid on your behalf constitute taxable income to you.Thus, if you owe $30,000 of federal income tax and your employer pays the bill, you’ll be treated as having an additional $30,000 of taxable income. And you’ll have to pay tax on that $30,000. Thus, you have a tax upon a tax. Can that possibly be constitutional? In 1929, the Supreme Court said yes in the case Old Colony Trust Company.— Edspira is the creation of Michael McLaughlin, an award-winning professor who went from teenage homelessness to a PhD. Edspira’s mission is to make a high-quality business education accessible to all people. — SUBSCRIBE FOR FREE PDF GUIDES TO THE FINANCIAL STATEMENTS, MANAGERIAL ACCOUNTING, TAX, AND MORE* http://eepurl.com/dIaa5z — HIRE MICHAEL MCLAUGHLIN, PHD, CPA* https://michaelmclaughlin.com/hire-me— GET CERTIFIED IN FINANCIAL STATEMENT ANALYSIS, IFRS 16, AND ASSET-LIABILITY MANAGEMENT* https://edspira.thinkific.com—LISTEN TO THE SCHEME PODCAST * Apple Podcasts: https://podcasts.apple.com/us/podcast/scheme/id1522352725* Spotify: https://open.spotify.com/show/4WaNTqVFxISHlgcSWNT1kc* Website: https://www.edspira.com/podcast-2/—GET TAX TIPS ON TIKTOK* https://www.tiktok.com/@prof_mclaughlin—ACCESS INDEX OF VIDEOS* https://www.edspira.com/index—CONNECT WITH EDSPIRA * Facebook: https://www.facebook.com/Edspira* Instagram: https://www.instagram.com/edspiradotcom* LinkedIn: https://www.linkedin.com/company/edspira—CONNECT WITH MICHAEL * Twitter: https://www.twitter.com/Prof_McLaughlin* LinkedIn: https://www.linkedin.com/in/prof-michael-mclaughlin—ABOUT EDSPIRA AND ITS CREATOR* https://www.edspira.com/about/
![Days Receivables – Meaning, Formula, Calculation & Interpretations [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1598_0_0jpg.jpg)
In this tutorial we will take a closer look at the meaning, interpretation, and relevance of days receivables ratio. We will understand the calculations and evaluate the results using the Colgate Case Study.You can download the Colgate Days Receivables Ratio template from this link – https://www.wallstreetmojo.com/ratio-analysis-template/What is Days Receivables?——————————————–Days receivable, also known as the average collection period, is the time it takes for a company to convert its credit sales (accounts receivable) into cash.Formula————–Days Receivables Formula = 365 / Accounts Receivables Turnover RatioWhy is days receivables or the collection period important?——————————————–Knowing the collection period is extremely beneficial to any business for two reasons:- First, the collection period determines a significant portion of the company’s cash flow.- Second, knowing the collection period ahead of time allows a company to decide how to collect the money owed to the market.For more details, you can refer to our article – https://www.wallstreetmojo.com/average-collection-period/Connect with us! YouTube https://www.youtube.com/channel/UChlNXSK2tC9SJ2Fhhb2kOUwLinkedIn https://www.linkedin.com/company/wallstreetmojo/mycompany/Facebook https://www.facebook.com/wallstreetmojoInstagram https://www.instagram.com/wallstreetmojoofficial/?utm_medium=copy_linkTwitter https://twitter.com/wallstreetmojo
![Sell Your Home Tax-free [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1568_0_0jpg.jpg)
If you realize a gain on the sale of your home, you might not have to pay tax. § 121 allows you to exclude up to $250,000 ($500,000 if you’re married filing jointly) on the sale of your principal residenceTo qualify, you must have:- owned the property- occupied the property as your principal residence for 2 of the past 5 years (ending on the date of the sale of the exchange)Note that:- A vacation home doesn’t qualify – it needs to be your principal residence.- Also, you can’t take the exclusion more than once every 2 years.— Edspira is the creation of Michael McLaughlin, an award-winning professor who went from teenage homelessness to a PhD. Edspira’s mission is to make a high-quality business education accessible to all people. — SUBSCRIBE FOR FREE PDF GUIDES TO THE FINANCIAL STATEMENTS, MANAGERIAL ACCOUNTING, TAX, AND MORE* http://eepurl.com/dIaa5z — HIRE MICHAEL MCLAUGHLIN, PHD, CPA* https://michaelmclaughlin.com/hire-me— GET CERTIFIED IN FINANCIAL STATEMENT ANALYSIS, IFRS 16, AND ASSET-LIABILITY MANAGEMENT* https://edspira.thinkific.com—LISTEN TO THE SCHEME PODCAST * Apple Podcasts: https://podcasts.apple.com/us/podcast/scheme/id1522352725* Spotify: https://open.spotify.com/show/4WaNTqVFxISHlgcSWNT1kc* Website: https://www.edspira.com/podcast-2/—GET TAX TIPS ON TIKTOK* https://www.tiktok.com/@prof_mclaughlin—ACCESS INDEX OF VIDEOS* https://www.edspira.com/index—CONNECT WITH EDSPIRA * Facebook: https://www.facebook.com/Edspira* Instagram: https://www.instagram.com/edspiradotcom* LinkedIn: https://www.linkedin.com/company/edspira—CONNECT WITH MICHAEL * Twitter: https://www.twitter.com/Prof_McLaughlin* LinkedIn: https://www.linkedin.com/in/prof-michael-mclaughlin—ABOUT EDSPIRA AND ITS CREATOR* https://www.edspira.com/about/
![Accounts Receivables Turnover Ratio – Meaning, Formula, Calculation & Interpretations [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1441_0_0jpg.jpg)
This tutorial explains how the accounts receivable turnover ratio works, including its meaning, formula, calculations, and interpretation. Furthermore, using the Colgate Case Study, we will demonstrate how to calculate this ratio in Excel.You can download the Colgate Accounts Receivables Turnover template from this link – https://www.wallstreetmojo.com/ratio-analysis-template/What is Accounts Receivables Turnover Ratio?——————————————–The accounts receivable turnover ratio assesses a company’s ability to collect credit from customers. In simple terms, it indicates how many times a company’s average accounts receivables are collected and converted into cash over a specific time period, which is often a year.Formula——————————————–Accounts Receivable Turnover Ratio Formula = Net Credit Sales / Average Accounts Receivables Interpretation of Accounts Receivables Turnover Ratio——————————————— A higher ratio indicates that the company is collecting cash more frequently and/or that its debtors are of good quality. It could also indicate that the company does much of its business in cash or has a stringent credit policy.- A lower ratio could indicate that the company is inefficient in collecting debts, has a liberal credit policy, or has poor debtor quality.Connect with us! —————————YouTube https://www.youtube.com/channel/UChlNXSK2tC9SJ2Fhhb2kOUwLinkedIn https://www.linkedin.com/company/wallstreetmojo/mycompany/Facebook https://www.facebook.com/wallstreetmojoInstagram https://www.instagram.com/wallstreetmojoofficial/?utm_medium=copy_linkTwitter https://twitter.com/wallstreetmojo
![Balance Sheet Type | Asset Liability Management [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1386_0_0jpg.jpg)
Financial instruments can be fixed or floating and short-term or long-term. Floating instruments can also reset at different intervals. These details are important because they determine how interest rate shocks affect the bank’s net interest income (NII). Due to the different terms and rate settings of financial instruments, a bank’s balance sheet can be asset-sensitive or liability-sensitive.Asset-sensitive means an increase in interest rates would increase NII, whereas a decrease in increase interest rates would decrease NII.Liability-sensitive means an increase in interest rates would decrease NII, whereas a decrease in increase interest rates would increase NII.How can you tell whether a bank’s balance sheet is asset-sensitive or liability-sensitive?The first step is to quantify the impact on NII from various interest rate scenarios. For example, a bank could examine how an increase of 100 basis points would affect its NII.The next step is to take action to mitigate the interest rate gap risk and reduce the earning gap. Banks can do this with matched maturity funding and/or matched rate funding. Matched maturity funding means funding short-term assets with short-term liabilities, and funding long-term assets with long-term liabilities.Matched rate funding means funding fixed-rate assets with fixed-rate liabilities and funding floating-rate assets with floating-rate liabilities.It’s not easy to match the maturities and rates of assets and liabilities. Thus, banks also use interest rate swaps and basis swaps to manage risk.— Edspira is the creation of Michael McLaughlin, an award-winning professor who went from teenage homelessness to a PhD. Edspira’s mission is to make a high-quality business education accessible to all people. — SUBSCRIBE FOR FREE PDF GUIDES TO THE FINANCIAL STATEMENTS, MANAGERIAL ACCOUNTING, TAX, AND MORE* http://eepurl.com/dIaa5z — HIRE MICHAEL MCLAUGHLIN, PHD, CPA* https://michaelmclaughlin.com/hire-me— GET CERTIFIED IN FINANCIAL STATEMENT ANALYSIS, IFRS 16, AND ASSET-LIABILITY MANAGEMENT* https://edspira.thinkific.com—LISTEN TO THE SCHEME PODCAST * Apple Podcasts: https://podcasts.apple.com/us/podcast/scheme/id1522352725* Spotify: https://open.spotify.com/show/4WaNTqVFxISHlgcSWNT1kc* Website: https://www.edspira.com/podcast-2/—GET TAX TIPS ON TIKTOK* https://www.tiktok.com/@prof_mclaughlin—ACCESS INDEX OF VIDEOS* https://www.edspira.com/index—CONNECT WITH EDSPIRA * Facebook: https://www.facebook.com/Edspira* Instagram: https://www.instagram.com/edspiradotcom* LinkedIn: https://www.linkedin.com/company/edspira—CONNECT WITH MICHAEL * Twitter: https://www.twitter.com/Prof_McLaughlin* LinkedIn: https://www.linkedin.com/in/prof-michael-mclaughlin—ABOUT EDSPIRA AND ITS CREATOR* https://www.edspira.com/about/
![Cash Ratio – Meaning, Formula, Calculation & Interpretations [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1364_0_0jpg.jpg)
This tutorial will cover everything about Cash Ratio, including its definition, formula, calculations, and interpretations. You will also learn how to calculate Cash Ratio in Excel using the Colgate Case Study. You can download the Colgate Cash Ratio template from this link – https://www.wallstreetmojo.com/ratio-analysis-template/What is a Cash Ratio?——————————————–The cash ratio is a ratio that measures a company’s ability to repay short-term debts with cash or cash equivalents. It is calculated by dividing the company’s total cash and cash equivalents by its total current liabilities.Formula——————————————–Cash Ratio Formula = Cash + Cash Equivalents / Total Current LiabilitiesInterpretation of Cash Ratio——————————————— A cash ratio greater than 1 indicates that the company is inefficient in using cash to increase profits or that the market is saturated.- A cash ratio less than 1 indicates that the company has used its cash efficiently or that it has not made enough sales to generate more cash.Connect with us! YouTube https://www.youtube.com/channel/UChlNXSK2tC9SJ2Fhhb2kOUwLinkedIn https://www.linkedin.com/company/wallstreetmojo/mycompany/Facebook https://www.facebook.com/wallstreetmojoInstagram https://www.instagram.com/wallstreetmojoofficial/?utm_medium=copy_linkTwitter https://twitter.com/wallstreetmojo