![Refinancing Burnout | Mortgages [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/09/mp_1958_0_0jpg.jpg)
When the refinancing rate declines more people decide to refinance, which increases the prepayment rate. But a decrease in the refinancing rate doesn’t always increase the prepayment rate. This is because: • Some people already refinanced when the rate previously declined• Some people can’t refinance no matter what the rate is (e.g., they have a low credit score)Thus, you can have a situation where a decrease in the refinancing rate is accompanied by a decrease in the prepayment rate. This is called the burnout effect.— 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/
![Net Fixed Asset Turnover Ratio- Meaning, Formula, Calculation & Interpretations [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/09/mp_1954_0_0jpg.jpg)
This tutorial covers the most important aspects of the Net Fixed Asset Turnover Ratio. You will learn precisely what Net Asset Turnover Ratio is, its formula, calculating the ratio, and interpreting the results. We’ll also cover how to calculate the Net Fixed Asset Turnover Ratio in excel using the Colgate Case Study. You can download the Colgate Net Fixed Asset Turnover Ratio template from this link – https://www.wallstreetmojo.com/ratio-analysis-template/What is Net Fixed Asset Turnover Ratio?——————————————–The Net Fixed Asset Turnover Ratio is used to determine a company’s ability to generate sales from fixed assets investments. Formula——————————————–Net Fixed Asset Turnover Ratio Formula = Net Sales / Average Net Fixed Assets. Relevance and Uses of Net Fixed Asset Turnover Ratio——————————————— Creditors and investors can use this ratio to determine how effectively a company uses its machines and equipment to generate sales.- Creditors might use this ratio to see if the company can generate enough cash flow from newly purchased equipment to pay off the loan used to buy it.- The company can use this ratio to keep track of how much they have invested in each asset each year and create a pattern to compare year-over-year trends.For more details, you can refer to our article – https://www.wallstreetmojo.com/fixed-asset-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
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![Mortgage Prepayment Risk for Banks [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1918_0_0jpg.jpg)
Changes in interest rates create problems for banks due to mismatches of fixed-rate and floating-rate instruments, as well as differences in time to maturity, rate-setting frequency, and indexes. But changes in interest rates also lead to prepayment risk.Prepayment risk occurs when a borrower repays the principal sooner than required. Prepayment is a problem because the bank gets stuck re-lending the money at a less favorable interest rate. Prepayments occur through:• Curtailment (the borrower pays an additional principal amount along with their scheduled mortgage payment; this reduces the balance of the loan)• Housing turnover (the borrower sells the property and pays off the loan)• Refinancing (the borrower gets a new loan and pays off the first loan)The most important factor affecting prepayment is the refinancing rate. However, prepayment is also affected by:• Borrower characteristics (e.g., credit score)• Geographic location• Mortgage seasoning • Seasonality • The burnout effect— 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/
![Asset Turnover Ratio- Meaning, Formula, Calculation & Interpretations [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1913_0_0jpg.jpg)
This tutorial will cover the concept of Asset Turnover Ratio from the ground up, including its formula and step-by-step calculations. Following that, we will use the Colgate Case Study to calculate the Asset Turnover Ratio in excel and interpret the results.You can download the Colgate Asset Turnover Ratio template from this link – https://www.wallstreetmojo.com/ratio-analysis-template/What is Asset Turnover Ratio?——————————————–The Asset Turnover Ratio measures how much revenue a company generates based on its total assets. This ratio helps determine whether the company is generating sufficient revenues to justify holding a large amount of assets on its balance sheet.Formula——————————————–Asset Turnover Ratio Formula = Net Sales / Average Total AssetsInterpretation of Asset Turnover Ratio——————————————— If the asset turnover ratio is less than one, the company is in trouble since its total assets are unable to generate enough revenue at the end of the year. However, this is based on a presumption. For example, the asset turnover of the industry in which the firm operates is less than 0.5, while this company’s ratio is 0.9, then despite its lower asset turnover, this company is performing well.- If the asset turnover ratio is greater than one, it is always a favorable sign. Because this indicates that the company is self-sufficient in terms of revenue. There is, however, an exception. A company in the retail industry, for example, will have fewer total assets. As a result, most organization’s average ratio is always more than 2 in this industry. In this situation, a 1.5 asset turnover indicates that the company isn’t doing well.For more details, you can refer to our article – https://www.wallstreetmojo.com/asset-turnover-ratio/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
![Taxes on illegal income [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1889_0_0jpg.jpg)
Income from illegal activities is considered taxable income. The IRS says illegal income, including income from dealing drugs, must be reported on your tax return. You can report illegal income in one of two ways. If you stole money, received a bribe, or were hired to kill someone, you would report the income on line 8 of Schedule 1 where it says, “Other income.”But if you earned money from an illegal business, like a money laundering operation, you would report the income on Schedule C. This way you can take deductions for wages, rent, and other expenses of your business.There’s an exception for drug traffickers, however, as they only get a deduction for the cost of goods sold. — 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 Conversion Cycle – Meaning, Formula, Calculation & Interpretations [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2021/08/mp_1885_0_0jpg.jpg)
In this cash conversion cycle tutorial, we’ll go over the finer details of what it means, its formula and step-by-step calculations. Following that, we will calculate the cash conversion cycle using the Colgate Case Study and interpret the findings. You can download the Colgate Cash Conversion Cycle template from this link – https://www.wallstreetmojo.com/ratio-analysis-template/What is Cash Conversion Cycle?——————————————–The cash conversion cycle measures the time it takes for a company to turn its inventory and other inputs into cash. It takes into account how much time the company needs to sell inventory, collect receivables, and pay its bills. Formula——————————————–Cash Conversion Cycle Formula = Days Inventory Outstanding (DIO) + Days Sales Outstanding (DSO) – Days Payable Outstanding (DPO) Interpretation of Cash Conversion Cycle ——————————————— A shorter cash conversion cycle is beneficial to a company since it allows it to buy, sell, and receive cash from customers more quickly and vice versa.For more details, you can refer to our article – https://www.wallstreetmojo.com/cash-conversion-cycle/ 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
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