The post Free Christmas Movies on Amazon Prime appeared first on Investopedia.

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When people ask about Amazon Prime offers especially about Christmas Movies, then you have to know about Amazon Prime first. Let’s discuss Amazon Prime.

Amazon Prime is actually a service by Amazon which is very useful for the people of the United States. If you are tired from waiting for the deliveries of your orders then Amazon prime is the best option for you. It has some special facilities like:

- FREE 2 -Day Shipping
- Anyone can receive Order on your behalf after identification.
- A lot of free movies and books especially ebooks available every time.

This is not the end. These are just some special features which are useful for the peoples. Many people join Amazon Prime in November as there was an **offer for joining** in just $79. If still, you have not joined then you can apply for trial Version for Amazon Prime free of cost. Don’t delay more and avail some amazing facilities which are only available for Amazon Prime Members. Moreover, an amazing thing is that you can **gift Amazon Prime** membership to your loved ones.

**Amazon Prime Trial Version Join Now**

The Man Who Invented Christmas (PG) – 1 hour, 44 minutes

A Child’s Christmas in Wales (NR) – 55 minutes

Doctor Who – Christmas Specials (TV-PG) – roughly 1 hour each

The Snowman (G) – 27 minutes

A Heartland Christmas Special (NR) – 1 hour, 30 minutes

Arthur’s Perfect Christmas (G) – 56 minutes

Christmas Story (PG) – 1 hour, 20 minutes

The Perfect Gift (NR) – 1 hour, 28 minutes

Christmas for a Dollar (PG) – 1 hour, 41 minutes

Christmas Comes to Willow Creek (NR) – 1 hour, 30 minutes

Unlikely Angel (NR) – 1 hour, 31 minutes

Home by Christmas (NR) – 1 hour, 28 minutes

Andy Williams: Best of Christmas (NR) – 56 minutes

The Heart of Christmas (NR) – 1 hour, 26 minutes

Holiday Inn (NR) – 1 hour, 41 minutes

Christmas Angel (PG) – 1 hour, 29 minutes

A Christmas Tree Miracle (TV-G) – 1 hour, 42 minutes

Rick Steves’ European Christmas (NR) – 56 minutes

Elmo’s Christmas Countdown (G) – 44 minutes

Getting to the Nutcracker (NR) – 1 hour, 40 minutes

An American Christmas Carol (NR) – 1 hour, 36 minutes

Christmas Bunny (PG) – 1 hour, 39 minutes

Elmo Saves Christmas (G) – 56 minutes

A Christmas Snow (NR) – 1 hour, 25 minutes

By God’s Grace (NR) – 1 hour, 26 minutes

Christmas Miracle (NR) – 1 hour, 31 minutes

A Christmas Wish (NR) – 1 hour, 29 minutes

The Fitzgerald Family Christmas (PG-13) – 1 hour, 42 minutes

The Christmas Lodge (G) – 1 hour, 29 minutes

Christmas in the Clouds (PG) – 1 hour, 37 minutes

Falling for Christmas (NR) – 1 hour, 25 minutes

The 12 Dogs of Christmas (NR) – 1 hour, 47 minutes

Noel (PG) – 1 hour, 36 minutes

Lawrence Welk Christmas Shows (NR) – 2 hours, 42 minutes

Daddy’s Home 2 (PG-13) – 1 hour, 39 minutes

Jack Frost (G) – 49 minutes

Mariah Carey’s All I Want for Christmas Is You (G) – 1 hour, 30 minutes

A Country Christmas (NR) – 1 hour, 31 minutes

Beyond Christmas (NR) – 1 hour, 20 minutes

Saint Street (NR) – 1 hour, 17 minutes

Christmas In Wonderland (NR) – 1 hour, 38 minutes

Holiday Engagement (NR) – 1 hour, 32 minutes

A Miracle on Christmas Lake

Christmas in the Heartland

Christmas Time

A Christmas Kiss

The Miracle on 34th Street

Christmas Angel

Jack Frost

Falling for Christmas

Note:Keep it in mind that if you are not an

then you have to join membership to avail all the services.Amazon prime member

If your mind is confused and you want to know about the subscription about Amazon Prime then you have to know that the trial version sign up is free of cost for you. You can easily join Amazon Prime trial version. If you want to cancel the membership anytime then it is possible for you. It is completely in your control so don’t wait and just start the downloading process.

Are you ready to enjoy your Christmas day with your favourite movies? As here we have provided a list of movies which you can watch free of cost if you are a Prime member. Before everything at very first just join the membership to avail all the best services of Amazon Prime. You can find different discounts on different events. Simple is just enjoy your Christmas with Amazon prime free movies and don’t forget to share with others about the offers.

We have filtered the best movies for you and now you can find best Christmas movies on amazon prime 2019. This year while having snowfall on Christmas it will be loving to watch best movies via Prime membership. This list is not final one as there are a lot of other movies available for you on Christmas but we just filter out some movies for you. You may like the list and enjoy your day.

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]]>The post Are Banks Open On Black Friday 2019 appeared first on Investopedia.

]]>You can purchase the shopping extravaganza following Thanksgiving happens the day in the wake of Thanksgiving, and it positions as one of the most well-known shopping days of the year like **Cyber Monday**. So it’s critical to know whether you’ll have unhindered access to your financial balances.

The day after Thanksgiving 2019, which falls on Nov. 29, will fill in as the official beginning of the Christmas shopping season. As usual, numerous retailers will offer profound limits, enabling you to spare enormous, both in stores and on the web.

You should see whether your **bank** is open on Black Friday 2019 in the event that you have to get money or the financial help you have to assist you with abstaining from overspending.

Numerous **Banks** close on Black Friday so representatives can invest energy with friends and family or appreciate a day of pursuing deals, yet Black Friday isn’t a government occasion. Most banks are open Nov. 29 since it’s not one of the perceived bank occasions in 2019.

Be that as it may, a few branches may have constrained occasion hours. To abstain from making a squandered excursion to your nearby office, call first to check whether standard working hours are set up.

Albeit Black Friday isn’t authoritatively perceived by the government, numerous states do perceive the day subsequent to Thanksgiving as a state occasion for some explanation.

That acknowledgement isn’t really out of appreciation for Black Friday. Indiana utilizes the day in the wake of Thanksgiving to observe Abraham Lincoln’s birthday, for instance, while Nevada has assigned Nov. 29 as Family Day. Some states that perceive the day subsequent to **Thanksgiving** as a vacation.

Remember that this rundown may change later on. Colorado, for instance, did exclude the day subsequent to Thanksgiving in its 2018 occasion plan. What’s more, Louisiana’s Acadia Day is a discretionary require the senator to make every year.

The accompanying banks will be open on Black Friday 2019, so you can relax on the off chance that you have to do some banking the day in the wake of Thanksgiving. In the event that Black Friday is an occasion perceived by your state, twofold check with your neighbourhood bank office to ensure it’s open.

While most banks will be open on Black Friday, Thanksgiving is an alternate issue. Thanksgiving Day is a bureaucratic occasion, which means it was set up by law as a day unnecessary government organizations are shut. This thusly implies it’s a bank occasion, so you can be certain that your nearby bank will be shut on Thanksgiving Day.

Numerous organizations likewise close their entryways at an opportune time the Wednesday before Thanksgiving to give their representatives additional opportunity to travel as well as invest energy with family. In spite of the fact that banks, for the most part, don’t submit to this strategy, it couldn’t damage to call your bank and ensure they’re not shutting early that Wednesday.

Albeit many would consider Black Friday a Holiday unto itself, it’s anything but a federal Holiday. Along these lines, dissimilar to on a genuine bank occasion, most save money with remain solitary physical areas will be open that Friday. It’s conceivable, notwithstanding, that these banks may have abbreviated hours, so you might need to check with your nearby offices to ask about the day’s hours early.

Something else to remember is that in about portion of U.S. states, the day subsequent to Thanksgiving 2019 is viewed as a state occasion. Some nearby banks and credit associations might be shut in these states accordingly. Moreover, bank offices that work inside different organizations, for example, areas in grocery stores and on school grounds, may likewise be shut because of these organizations being shut.

The day after Thanksgiving, which falls on the **Black Friday**, is among the greatest shopping days of the year. While it’s everything hands-on-deck in many retail locations, numerous organizations outside the retail business will be shut. So on the off chance that you have to get to the bank that day, will it be open?

You might be anticipating beginning your shopping on Thanksgiving itself, as certain stores are open late that day. In the event that you don’t have the opportunity to stop by your bank in the prior days, you go out on the town to shop, basically visit one of its expense-free ATMs. Any save money with physical areas will have these money machines. These can regularly be found at your bank’s offices and at remaining solitary areas, however, they may likewise have an association with a bigger ATM organize like Allpoint. You’ll require only your charge card to make an ATM withdrawal.

On the off chance that you need to check your record parity or exchange history, cause a to entomb account move or take care of your tabs, internet banking is the speediest approach. This administration is accessible at for all intents and purposes each bank and can be amazingly significant. Versatile banking applications quite often give a significant number of similar benefits, alongside portable check store and an ATM locator. Contributions, for example, these could be lifelines on Thanksgiving.

Need to get cash from family or companions to finance that Black Friday outing? Cash move applications like Venmo and PayPal will allow you to do as such from your telephone. Numerous banks are likewise constructing their own cash move benefits or collaborating with existing applications. One of the most well-known names in this market is Zelle®. In the event that you have to loan or get cash to companions or family, you may have the option to do as such from your bank’s portable application.

- You don’t have to stress over your bank’s offices shutting if your bank doesn’t have any branches. Online-just banks offer incredible work area and versatile gateways for directing your financial business day in and day out. Furthermore, these online banks will in general have much better loan fees on investment accounts and different stores.
- Your ledger is only one piece of your budgetary picture. In the event that you need to develop your cash and be monetarily secure, it’s a smart thought to talk with a money related consultant. The SmartAsset money related counsellor coordinating instrument will set you with upwards of three nearby consultants that can help guarantee you have a budgetary arrangement that meets your objectives.

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]]>The post Net Profit Margin | Formula | Example | Calculator appeared first on Investopedia.

]]>Investors and analyst used NPM ratio to measure the efficiency of the company to measure the management and forecast future profitability on the base of the sales forecast of the management.

Investors compare net income to total sales to see what percentage of revenue used for the operating and not operating expenses, and what percentage of revenue used to pay shareholders or reinvest in the company.

As compared to low margin high margin is better. Because with high margin the company can easily convert more of its sales into cash at the end of the year or period. Between the industry the margin change drastically.

Net profit margin formula can be calculated by dividing the net income by total revenue.

The calculation of net profit margin is so simple because from the income statement we easily get the values and put in the above formula to calculate the NP margin. Total revenue is the money which is earned by the company through its operations during the period.

After the payment of all the expenses, leftover income during the period is called net income.

For a better understanding of the net profit margin calculation, we take the example.

Under the same industry company X, Y, and Z working. The income statement of these companies shows the following report.

On the basis of net income, we can compare company X and company Y but it does not tell the profitability’s entire story. The income statement shows that company Y is more profitable than company X, and company Z.

According to income statement company, X and company Z get equal profit so these have the same profitability.

Now we take the profit in dollar amount to know the revenue generated by these companies.

Now to find the profitability of these companies separately by using the NP margin equation.

From the above result it is clear that Company X and Z has the same net profit margin whereas Company Y has 10% greater NPM then company X and Y.

Net margin is one of the most useful measurements in financial measurement if compared to the history of the company.

Through historical analysis of any company, we analyze that the profitability of the company is increasing or decreasing. From the trend analysis, we can find the sustainability of the company. If the margin is decline then it may be due to the high competition, reduced bargaining power, or inefficient cost of the company.

We can compare the margin of those companies through the NPM equation which works under the same industry. Because different **industries** have different cost base.

For the understanding of the driver of margin analysts striping down the various elements of NP margin. This ratio is used to analyze its impact on the return measures such as ROE and DuPont analysis.

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]]>The post Net Present Value (NIV) Calculator | Formula | Example Explanation appeared first on Investopedia.

]]>**Net present value (NPV)** is the capital budgeting formula which is used to measure the difference between the present value of cash inflows and outflows of potential investment or project.

In other words, the net present value is the amount of money which an investment generated by comparing with cost adjusted for the time value of money.

The concept of NPV is the most important concept because the worth of 1 dollar at the present time is greater than the future time 1 dollar because of the interest and opportunity cost.

For the making of the investment decision sophisticated investors and the management of the company use the discount cash flow metrics or use the present value analysis.

The formula of Net present value (NPV) is complicated because for the calculation of this sum of all the future cash flow from investment, discount them at discount rate, and then subtract the initial investment from this.

**Ct represents net cash flow for the period.****CO represents an initial investment****r represents the discount rate****t represents the number of periods in the above formula.**

For a better understanding of the NPV, we use the nonmathematical equation.

From the above equation, we can say that NPV is equal to the difference of PV of initial investment and PV of the money which the investment will make in future.

Management uses the net present value of the potential project of the company, expansion of business, new equipment to evaluate that what option is the best and in the future which is the best path which company takes.

Now we take the example of the manufacturing company which wants to expand its business But for this company does not have enough equipment. In this case, the company use the Net price value (NPV) calculator to find that the machinery purchasing is a good investment or not. It can get by comparing the amount of the cash inflows new machinery generating with the initial cost of the machinery.

If the NPV give the positive number it means that the future cash flow of the project is greater then the initial cost. So the company gets money on its investment. But if the NPV result the negative number it means that the future cash flow of the project is less then the cost of machinery on which purchasing company invests.

If the number in the result of NPV is positive and much high then company earn much more then the initial cost of the machinery. This ratio can be used to evaluate to project to find that which is the best project for the investment.

Tom has a **construction** company which builds the small building. He wants to expand his business and want to construct the large building for which he needs the crane. The price of the crane is 100,000 dollars. He estimates that he can earn each year 20,000 dollars from this crane for the next 10 years.

So after 10 years, he will get 20,000 dollars money after 10 years from his 100,000 dollars investment. For the time value of money to adjust 200,000 dollars is not discounted.

If the interest rate is 10% then the discounted cash flow from the crane will be 122,891.34. Now we calculate the NPV for the investment of Tom.

From the above result, it is clear that Tom not 100,000 dollars because when the time value of money adjusts then he makes only 22891.34 dollars. The above result is the good result because it is in positive number and Tom makes money on its investment.

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]]>The post Net Operating Profit After Tax (NOPAT) | Formula | Example | Calculation appeared first on Investopedia.

]]>**Net Operating Profit After Tax (NOPAT)** is the profitability measurement which is used to calculate the theoretical cash of the company which company distributes among the shareholders of the company if the company has no debt.

In other words, NOPAT is the profit amount from the operation of the company after tax payment without regard to interest payment.

If the company have no obligations then the company can distribute the total money among the shareholders.

Creditors and investors use NOPAT to find the efficiency of the company to pay its current obligations and pay to its shareholders. This is used only as a gauge because it does not give an accurate measurement.

The accrual method of earning creating the time difference between earnings are recognized for book purpose and earning are recognize or tax purpose. SO there is the difference between the calculated amount and the amount which is distributed among the shareholders.

To find the profitability of the company for the operations of the company analyst use this ratio. To find the operating efficiency of the company this ratio gives an accurate result.

NOPAT formula can be calculated by the product of operating income of the company and 1 minus the corporate tax rate.

If the detailed income statement is not available and the net operating income cannot figure out then we need to use net income by backing out the interest payment as below.

**Net Operating Profit After Tax (NOPAT) =Net profit + Net Interest x (1 – Tax rate )**

It is the simple formula as compared to the above of this. Because operating profit, net income and interest expenses available on the income statement through which we can calculate NOPAT.

Now we take the example of the light bulb manufacturer which report the below-listed items on the income statement.

**Operating profit =$50****Tax rate = 30%**

From this, we can calculate NOPAT by putting in the NOPAT formula as

**NOPAT = 50 x ( 1 – 30% ) = 35 dollars**

If we use the second equation of NOPAT then we need net income and net interest for calculation of NOPAT. By putting the values of these after the calculation then we get the same result of 35 dollars from it also. Both equations of NOPAT give the same result if the company have no debt to pay off.

For any business operating profit and net profit are 2 important parameters. Operating profit is used to find the operating efficiency of the business whereas net profit tells how much overall profit company gets. In the operating profit, the tax amount is not included whereas in the net profit tax amount include.

NOPAT is the operating profit after the reducing of taxes. Without debt the operating performance of the company calculated by the Hybrid calculation of NOPAT.

On a standalone basis, the analysis of any ratio or number is not useful. For better results, you need to compare the history of the company with others in the industry. Through historical analysis, the analyst knows that the performance of the company improve or not and peer analysis shows that how the company stakes within the peer set in term of operational efficiency.

There are some reasons because of which NOPAT increases or decreases for some companies for 2 years or above. The changes in the result may be due to the operating margin or changing product mix etc.

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]]>The post Definition of Accumulated Depreciation to Fixed Assets Ratio appeared first on Investopedia.

]]>**Accumulated Depreciation to Fixed Assets Ratio** is the financial measurement. It is used to calculate the age, value and remaining life of the fixed assets of the company on the company’s balance sheet by comparing the total depreciation amount on these assets with total carrying cost.

For the representation of the lost values on the fixed assets which are ages and become fewer price assets,** accumulated depreciation** is used.

For the measurement of the remaining usefulness of the assets, the company compares the total amount of a company used its assets by the total value of the assets.

Machinery and other equipment which company use for making the product or for other services are the **fixed assets** of the company.

If the ratio is high then the fixed assets remaining life is less and need to remove the fixed assets of the company. If the ratio is low then fixed assets may be used for many years.

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]]>The post Net Income Formula | Example | Calculator | Definition appeared first on Investopedia.

]]>**Net income** is also known as net profit which is used to measure the total revenue amount that exceeds total expenses. In order words, it shows, how much revenue left after the payment of all the expenses of the business. Net income is the amount which a company can save to pay off debt or for the investment in the new projects. This measurement is at the bottom of the income statement because of which many people prefer this as the bottom line.

Investor, creditors, and management focus on the net income calculation. Because of this calculation, they can know the financial health of the company and the ability of the company to manage its assets. Investors want to find that they can pay the dividend on their investment or not. Whereas creditors want to know that the company has the ability to pay off current debt with success operations or not. Management analyzes the ability of the company to pays salaries and bonuses to its employees by using this ratio.

Net income formula can be calculated by subtracting the total expenses of the business from the total revenue.

Net Income = Total revenue – total expenses

From this equation management, investors, and creditors find the ability of the company to producing the profit.

If the revenue is not in the income statement then instead of revenue we can use net income from the gross profit. You have no need to subtract the cost of goods sold twice. Instead of revenue, you can use total revenue. Because of the simplicity of this equation, you have no need to use the net income calculator for this.

To understand net income in a better way we use the example calculation.

There is the database and server technology company of Andrew. Form different medical companies he manages the security, data, and server. From this, he makes the high revenue with fewer expenses. List of expenses for 1year listed in the income statement is

- Revenue = 200,000 dollars
- Computer expenses =10,000 dollars
- Salaries =50,000 dollars
- Utilities = 5,000 dollars
- Taxes = 2500 dollars

From the above figure Andrew calculate his net income. Total expenses calculated by adding all the above expenses of salaries, utilities, and taxes which is equal to 67,500 dollars.

**132,500 = 200,000 – 67,500**

From the above result, it is clear that Andrew gets the revenue of 132,000 dollars which is the total profit of Andrew. If the revenue value is less then expenses value then company is in the loss. For example, in the above equation if the company have the profit of 50,000 dollars which is less then the 67,000 dollars it means that company has the loss of 17,500 dollars.

If the net income is high then it is favourable for the business because this profit may be used to pay off current debt and for new investment.

Some company pays tax according to the profit because of which management reduce the profit on the tax basis to reduce the taxable income. due to this reason company have the book to tax adjustment at the end of each year. For the reflection of the tax, management adjusts their book income to get an advantage. For an instant, there are some companies Which use FIFO for the book purpose and **LIFO** for the purpose of tax for showing the reduce income on the tax return.

If the company shows the less income in order to pay the less amount as a tax on income, then the company have the problem to show high income to shows for the approval of the loan to the bank. To overcome this problem there are some revenue recognition rules which may be used.

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]]>The post Definition of (EBIT) Earning Before Interest and Taxes appeared first on Investopedia.

]]>**EBIT** or **earnings before interest and taxes** also called operating income. This ratio is used to measure the profit of the company which is calculated by subtracting the cost of goods sold (COGS) and operating expenses from the total revenue of the company.

This ratio shows, how much profit a company generated from its operations without regard to interest and taxes. Most of the people use this ratio as an operating profit calculation.

To measure the core performance of the company without considering the taxes and interest, investors and creditors use EBIT.

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]]>The post Definition of (EBITA) Earning Before Interest, Taxes, and Amortization appeared first on Investopedia.

]]>**EBITA** or **earnings before interest, taxes, and amortization** is the efficiency measurement. It calculates the operational profitability of the company by including the equipment costs and excluding the financing costs.

For the measurement of earning and profitability of any business, investors, accountants and analyst use EBITA. EBITA is the common derivative of EBIT and EBITDA.

To measure the core profitability of the business this measurement is mostly used. Without regard to finance cost and capital expenditure, EBITA measure the operating profitability of the company.

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]]>The post Definition of (EBITDA) Earning Before Interest, Taxes, Depreciation, and Amortization appeared first on Investopedia.

]]>**EBITDA** is the financial calculation which is used to measure the profitability of the company before all of the deductions. In other words, EBITDA is the net income with added back taxes, amortization, and depreciation, and interest into the total.

All the expenses like interest, depreciation, and amortization added back to the net income allow the investors and management to analyze the true operating cash flow of the company. For the measurement of the core performance of the company, this calculation is used.

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