{"type":"video","version":"1.0","html":"<iframe src=\"https://www.loom.com/embed/41bf7b6cc14748dbaef456e07d800e59\" frameborder=\"0\" width=\"1920\" height=\"1440\" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>","height":1440,"width":1920,"provider_name":"Loom","provider_url":"https://www.loom.com","thumbnail_height":1440,"thumbnail_width":1920,"thumbnail_url":"https://cdn.loom.com/sessions/thumbnails/41bf7b6cc14748dbaef456e07d800e59-1712291269491.gif","duration":213.291,"title":"Year-to-Date Calculator: Understanding Income Breakdowns","description":"In this video, I explain the importance of using the year-to-date calculator when analyzing income breakdowns for loan applications. I discuss two applicants and their different income sources, including base salary, overtime, bonuses, and casual income. I highlight the need to annualize income based on industry standards and the varying approaches different lenders take. I also touch on factors that influence lenders' calculations, such as payday versus payslip end date, frequency, and industry. No specific action is requested, but understanding these concepts will help viewers make informed decisions when analyzing income for loan applications."}