This is earnings before taxes. This analytical approach views interest as an operational expense because the firm voluntarily took it on in the course of business. This makes it representative of corporate behavior, judgment and inherent expenses. This formula lets you look at the performance of a business along its core model. The value of an EBIT model is that analysts consider taxes and financing third-party expenses.
However, when considering only the net income of a company, taxes and interest can distort market performance. A particularly healthy financing or tax environment can make a mismanaged company look good, while a heavy tax burden or poorly chosen debt scheme can leave a solid firm struggling. For example, consider an otherwise healthy firm that recently conducted massive leveraged buybacks of its own stock.
By considering net earnings only in this operational context, an analyst can get a sense of how good the firm is at conducting its business before capital flow, lending structures and government debt intervene in the outcome.
It is a way of measuring the cash flow of a business. This includes categories such as costs of goods and production, salaries and benefits, and rent and overhead. In other words, the total revenue reduced by the money the firm actively spends to stay in business. Notice that, unlike the EBIT, in calculating this figure we did not adjust down for depreciation and amortization.
This is because neither of those figures represent actual cash outlays by the firm. They are actuarial representations of the value lost as equipment and property ages, losses which do not involve the firm actually spending money. They represent true deterioration over time. Real estate portals like Zillow, Trulia, Realtor. PMI: Property mortgage insurance policies insure the lender gets paid if the borrower does not repay the loan.
Some home buyers take out a second mortgage to use as part of their downpayment on the first loan to help bypass PMI requirements. Historically flood insurance has been heavily subsidized by the United States federal government, however in the recent home price recovery some low lying areas in Florida have not recovered as quickly as the rest of the market due in part to dramatically increasing flood insurance premiums.
They cover routine maintenance of the building along with structural issues. Be aware that depending on build quality HOA fees can rise significantly 10 to 15 years after a structure is built, as any issues with build quality begin to emerge. Our site also publishes an in-depth glossary of industry-related terms here. Charting: By default the desktop version of this calculator displays an amortization chart along with the ability to view a payment breakdown donut chart.
These features are turned off by default on the mobile version to save screen space. By default our calculations set bi-weekly payments to half of the monthly payment. Fixed vs Adjustable Mortgages: In most countries home loans are variable also known as adjustable , which means the interest rate can change over time. The ability for United States home buyers to obtain a fixed rate for 30 years is rather unique. Interest rates are near a cyclical, long-term historical low. That makes a fixed-rate mortgage more appealing than an adjustable-rate loan for most home buyers.
Comparing Loan Scenarios: This calculator makes it easy to compare loan scenarios, while this calculator shows what would happen if a buyer made extra payments. If you would struggle to force yourself to make additional payments then an alternative solution is to go with a year loan to require the higher payment which will pay off the home quickly.
Loan Term: years. Buy or Refi: Select Buy Refi. Monthly vs bi-weekly payments. Show annual amortization table. Show monthly amortization table.
Other reasons you might refinance include shortening or lengthening the repayment term, or cashing out your equity to buy more property. However, it's important to weigh the potential downsides carefully. Refinancing a rental property calls for greater requirements than you'd expect from a traditional mortgage refinance. But that doesn't mean it's impossible.
Before you begin the application process, there are a few documents you should have ready. These include:. Usually, a recent pay stub from your employer will satisfy this requirement. However, if you're self-employed, you will need to show some other form of income validation, such as a bank statement. Your W-2s will help the lender verify your employment history and income.
Only copies are needed, not originals. Again, self-employed individuals will likely need to supply additional tax documentation. You'll need to provide a recent bill from your insurance company or some other form of proof that your home is adequately covered. Make sure you have a copy of your title insurance handy to help verify that you are, in fact, the owner of the property.
This also provides the lender with additional legal and tax information related to the property. Finally, you'll need to show all the assets you own, including bank, investment and retirement savings accounts. When refinancing a rental property, lenders ask you to have more equity built up than with a traditional mortgage.
Because of this higher risk, rental property refinancing also tends to be more expensive -- both in interest rate and fees, Davis says. For example, you can expect investment property refinance rates to be a minimum of 0. Al though a lower interest rate is often the goal of refinancing, it is not guaranteed.
The interest rate you get will depend on the housing market, your credit score, income and other requirements determined by your lender. That's why before applying to refinance, you should verify that your credit is in good shape. Most lenders will approve you for refinancing a rental property with a credit score of at least , but a credit score in the good at least or excellent or more range will get you the lowest rates available.
How much money you earn and the sources of your income also matter. In fact, lenders may be skeptical of money made from rent unless you're a professional property owner. To increase your chances of approval, it helps to have about six months' worth of payments set aside in the bank, so the lender knows you can keep up even when your property is vacant.
Finally, your debt-to-income ratio will also be considered in a rental refinancing lending decision. As with a traditional mortgage, lenders will want to verify that you aren't overextending yourself by taking on too many debts. The lender will calculate your total monthly debt obligation divided by your monthly income to determine your DTI. If your goal of refinancing isn't necessarily to lower your mortgage interest rate but rather cash out on some of your property's equity, that's also possible.
Even so, taking equity out of a rental property poses a lot of risk, so expect lenders to be skeptical. Again, if borrowers fall on hard times, lenders assume they make the mortgage payments on the house in which they live first, meaning the rental property would be in greater jeopardy. It's a risk you'll have to weigh carefully. Cross-collateralizing means putting your rental property up as collateral when taking out a loan to buy a new rental property. Instead of collecting a down payment, the lender puts a second lien against the property with equity.
Refinancing can either save you a lot of money and help you earn more rental income, or it can end up being a bad deal for a couple of reasons. Lenders will often roll these costs into the loan principal for convenience, but it also makes it tougher to understand the true cost of refinancing. The truth is that closing costs, and the extra interest you pay on them if they're rolled into the loan, can easily wipe out any savings you reap by getting a lower interest rate.
The second potential issue is that refinancing resets the amortization schedule. When you take out a new loan, you pay most of the interest in the beginning. When you refinance, you reset the schedule, and your payments go mostly toward interest again. Ultimately, it's up to you to crunch the numbers and decide whether refinancing your rental property is the right move. What Is a Balloon Payment for a Loan? What Are Closing Costs? Is AAL stock a good buy as a Covid vaccine is on the horizon and the Max grounding has been lifted?
For the answer, take a look at American's earnings and stock chart. To flesh out Biden's tax plan, the Tax Policy Center TPC analyzed the many separate things that have been said about how tax rules would change. Electric-car stocks sold off on news of a probe in China, while Nikola failed to assuage investors on a proposed GM partnership.
By Bob Ciura with Sure Dividend. The U. The potential for a double-dip recession could bring about another downturn in the stock market. For risk-averse investors, it may make sense to buy high-quality dividend stocks in this climate of uncertainty.
For this reason, we recommend income investors looking for stability, consider the Dividend Aristocrats. Such a long track record of annual dividend increases proves a company's ability to withstand recessions. The following three stocks are all on the list of Dividend Aristocrats. Its most important individual product is Humira, a multi-purpose pharmaceutical that was the top-selling drug in the world last year.
AbbVie has performed very well over the course of Revenue was boosted by the Allergan acquisition, as well as growth from new products. The stock has a high dividend yield of 5. AbbVie stock also appears to be undervalued, trading for a price-to-earnings ratio of 9. This is a fairly low multiple for a highly profitable and growing business.
AbbVie's low valuation is likely due to uncertainty regarding its flagship product Humira, which is now facing biosimilar competition in Europe and will lose patent protection in the U. But AbbVie has long prepared for this by investing in its own new products, and by the Allergan acquisition. This means that if AbbVie's valuation expanded from 8. Walgreens has been under pressure on many fronts, not just the coronavirus pandemic but also from a longer-running downturn for physical retail.
Internet-based retailers such as Amazon. This trend was already taking place heading into , and the coronavirus has only accelerated the shift to online shopping. Still, Walgreens remains highly profitable and continues to grow sales. On October 15th, Walgreens reported Q4 and full-year results for the period ending August 31st, For the quarter, sales increased 2.
On a per-share basis, adjusted EPS decreased For the fiscal year, sales increased 2. The company anticipates a recovery in the upcoming year, with fiscal guidance that calls for low single-digit growth in adjusted EPS. Continuing to grow sales and earnings, albeit at a modest rate, would still allow Walgreens to increase its dividend each year, as it has done for 45 consecutive years.
Shares yield 4. The company recorded more than 5 million total domestic wireless net adds along with over 1 million postpaid net additions. Another promising growth catalyst is 5G rollout. This means valuation expansion could boost future shareholder returns by approximately 4. Including the 7.
Benzinga does not provide investment advice. All rights reserved. Sentiment is on the rise as the annus horribilis winds to an end. And so, investors are looking forward to Two big factors in market uncertainty are on their way to resolving themselves.
First, COVID vaccines are in the works, and two major drug companies have announced that vaccines will be available in a matter of months. The prospect of relief from the coronavirus and a divided government unable to enact extreme or controversial measures promises us a degree of stability that will be welcome. These are buy-rated equities, with double-digit upside potential for the coming year.
LendingTree, Inc. The company offers borrowers options to shop for competitive rates, loan terms, and various financing products. Among the offerings, from multiple financing sources, are credit cards, deposit accounts, and insurance products. In the third quarter, the company showed mixed fiscal results.
Covering this stock for Needham, 5-star analyst Mayank Tandon — rated 66 overall out of more than 7, stock pros — is upbeat despite the recent turndown after the Q3 results. Allegro is new to the stock markets, having held its IPO just this past October. Vijay Rakesh, 5-star analyst with Mizuho, is clearly bullish on this newly public company.
Allegro's xMR sensors and power ICs drive technology platform leadership and enable better performance, accuracy, and control for the growing EV market and Industry 4. But every year past Year 2 still results in the owner saving more simply by virtue of the principal portion of the payment getting larger.
With the renter not building equity and paying more in monthly costs from Year 22 on, the owner moves ahead rapidly in accumulated savings. Worse still for the renter, inflated rents are pushing what used to be a net savings, compared with the fixed mortgage payment, into the red. In Year 31, the financial difference between the two households in our illustration is stark. If your time horizon is less than a few years, renting comes out ahead. Buy beyond a few years, homeownership typically wins out.
This is why owning a home, all things considered, is a path toward building wealth. A lawyer for Ghislaine Maxwell, a British socialite charged with finding girls in the s for financier Jeffrey Epstein to sexually abuse, said Tuesday that her client is awakened every 15 minutes in jail while she sleeps to ensure she's breathing.
Attorney Bobbi Sternheim told a Manhattan judge that Maxwell faces more restrictive conditions than inmates convicted of terrorism or murder. Maxwell has no history of mental health issues or suicidal ideation and no criminal history, either, she said. She asked a judge to intervene on her client's behalf to improve her conditions at the Metropolitan Detention Center in Brooklyn.
In her request, Ms Sternheim made no direct reference to Epstein taking his life in August in his cell at another federal lockup, in Manhattan. Nathan instructed defense lawyers and prosecutors to confer over the next week over Ms Sternheim's request that the Brooklyn facility's warden directly address the concerns. A spokesperson for prosecutors declined comment. A message for comment was sent to the Federal Bureau of Prisons spokespeople.
Maxwell, 58, has pleaded not guilty to charges that she procured three girls for Epstein to abuse in the mids. She has been held without bail while she prepares for a July trial. In a clever new ad, Georgia Democratic Senate candidate Rev.
Raphael Warnock found a new way to drop the mic. Warnock is running against Sen. Kelly Loeffler R-Ga. In a new ad he tweeted out Tuesday, Warnock is shown taking his dog on a walk. In an earlier campaign ad, Warnock predicted there would be lots of false claims leveled against him, and "that's exactly what happened," he said.
As he dropped the bag in a trash can, Warnock said, "I think Georgians will see her ads for what they are -- don't you? Watch the ad below. Kloeffler's ads for what they are. It broke theirs instead. In pre-Thanksgiving address, Biden urges Americans not to 'surrender to the fatigue'. Ethiopia's state-appointed rights watchdog accused a Tigrayan youth group on Tuesday of killing hundreds of civilians as federal and local forces both claimed advances in a three-week war in the country's mountainous north.
Prime Minister Abiy Ahmed's government said enemy soldiers were surrendering as it advanced towards the regional capital, but the Tigrayans reported they were resisting and had destroyed a prestigious army division. Prime Minister Justin Trudeau said Tuesday Canada will have to wait for a vaccine because the very first ones that roll off assembly lines are likely to be given to citizens of the country they are made in.
Trudeau noted Canada does not have vaccine-production facilities. Trudeau said it is understandable that an American pharmaceutical company will distribute first in the U. The contact between Fauci and Biden's team comes as the US may be entering the darkest stage yet of the coronavirus pandemic. According to the South Korean media this week, a defector who evaded security in one of the most dangerous border crossings of the world on November 3 was a former gymnast who managed to swing himself over the imposing barricades, reportedly without triggering key sensors.
The authorities vowed to investigate why high-tech security systems did not work. The man, reported to be wearing blue civilian clothes and in his twenties, later surrendered after a manhunt by the South Korean military units who discovered a breach of the fence. He was detained without incident just under a mile south of the fence and has asked for asylum.
There's a chance President Trump's pardon of Michael Flynn could backfire some day. Trump on Wednesday pardoned Flynn, his first national security adviser. Flynn's sentencing was delayed while he cooperated with former Special Counsel Robert Mueller's investigation, but earlier this year, Flynn's new legal team accused prosecutors of misconduct and asked to have his guilty plea withdrawn. But Trump's pardon, which he announced in a tweet, means Flynn will theoretically no longer be protected from self-incrimination under the 5th Amendment should he ever be called to testify against Trump.
Quite the high risk manoeuvre. While there is speculation Trump could face criminal charges at some point post-presidency, there is no evidence that will happen. Even if it did, it's still unclear exactly what Flynn is being pardoned for, since, as Politico notes, he was criminally exposed both for lying to investigators and "acting as an unregistered agent for Turkey. In pre-Thanksgiving address, Biden urges Americans not to 'surrender to the fatigue' Trump's staffers are reportedly now avoiding him to stay out of legal jeopardy.
While President-elect Joe Biden has said he would implement his student loan forgiveness plan "immediately," he has not committed to widespread student debt cancellation. No one is really sure what Ivanka Trump and Jared Kushner will do after leaving the White House in January or where they will live, but people who know them are certain they plan on getting out of Washington, D.
President Trump's daughter and son-in-law have never fit in, several people told the Times, but it's not a sure bet that they will return to New York City. Donny Deutsch, a marketing expert and critic of the president, said he thinks Ivanka and Jared would have an "even harder time than Trump himself" moving back to Manhattan. Trump is "despicable but larger than life," he added. Two friends told the Times Trump could revive her jewelry and clothing lines, peddling it to a conservative audience, but two others said the Ivanka Trump brand is dead and won't sell.
As for Kushner, who worked in real estate, Deutsch said he could go back to making deals, and "if he's doing anything with the Trump name, he can monetize it in red areas. The town recently received blueprints for renovations to the abode, including expanding the master bedroom and bathroom and adding two bedrooms, a study, and a veranda. There are also plans to build a complex for spa treatments and a "general store" on the property, the Times reports. For more on Trump and Kushner's future — and the drama surrounding their children's schooling in D.
More stories from theweek. It might seem like a headline from a satirical newspaper, but it is not: Spanish will no longer be the official language of the Spanish State or the lingua franca in education. Thanks to this new law, the only lingua franca in Catalonia will be Catalan. As a Spaniard, it is difficult for me to explain to people outside my country what is happening here without sounding dire. But in many cities in Spain, children will not be able to study primarily in Spanish.
In Catalonia, mathematics, science, and philosophy will continue to be taught in Catalan, as they have been for years, hindering the education of those children who don't speak it. The same will happen in the Basque Country and in Galicia, two other regions with their own minority languages, where in fact this discrimination of Spanish was already taking place -- with the consent of the PNV nationalists, in the case of Basque, and the center-right PP, in the case of Galician.
What has changed now is that the war on the Spanish language will be made official, sponsored by the Spanish state itself. The policy is about as intelligent as repeatedly hitting one's big toe with a hammer to cure osteoarthritis. The cause of this madness is an extreme-left Catalan nationalist party that represents relatively few Spanish voters, and that within Catalonia represents 22 percent of voters.
It is as if someone decided to leave education in the United States in the hands of Antifa leaders. Behind every extravagant nationalist policy, there is an elite class of government officials and associated companies getting rich.
The Spanish language has been in the sights of the nationalists since the beginning of democracy. They have peddled a fictional narrative of Marxist inspiration to divide the people between oppressive languages and victimized languages, creating a problem where there was none. In Catalonia, for example, nationalism does not seek to reaffirm a Catalan identity, but to damage Spain. This has succeeded. Today, children who speak Spanish are humiliated, singled out, and even attacked in schools.
In the last election campaign, the independentistas made a show of cleaning the sidewalks with bleach after the leaders of non-independence parties passed through their streets. The perverse Catalan nationalism stands out in its immigration policy. For decades, they have despised Latin-American immigration because they are Spanish speakers, giving priority to immigration from Arab countries. Today, Catalonia has a fierce anti-Christian, anti-Spanish strain in many neighborhoods.
There is hope: Nearly half of its population continues to heroically defend their right, against all odds, to be Spanish. But from now on, they no longer have the moral support of the Spanish government. In Galicia, the Basque Country, or Catalonia, their minority languages are used to bar Spanish speakers from entering government posts, and in places such as Catalonia, the regional government imposes fines on traders who hang signage in Spanish.
In the s, Barcelona was a city open to the world. Now they issue their threats from parliament. In Galicia, my beautiful homeland, the situation is less dramatic, because exclusionary nationalism has never triumphed there. The party that has imposed the Galician language for the names of towns and streets is the PP, strangely the same party that, in parliament, denounces not being able to study in Spanish in Catalonia.
To be fair, the regions governed by the PP, including Galicia, have already stated that they will use all the legal means at their disposal to not apply this state mandate, at least regarding the exclusion of the Spanish language and the end of academic meritocracy. Although, without a doubt, what has elicited the most indignation in Spain is the closure of special-education centers.
The new government law closes specialized schools and will force parents of children with disabilities to send them to conventional schools. Once again the socialist-Communist utopia of equality clashes with reality: The integration of children with special needs will not offer them any advantage, but rather more inequality and discrimination. There is now an emotive campaign on social networks in which dozens of children with mental illnesses and disabilities are asking the government not to close their school where they are attended by specialists, and they beg for their parents to be given the right to choose freely.
Bring a spare set of clothes, he sometimes throws up. We have Cervantes, Becquer, Quevedo, Machado, and so many others on our side. We Spaniards only fear one thing: running out of beer.
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