Underlying Security

Underlying Security

An underlying security is an asset that a derivative instrument (e.g. Read more

Internal Rate of Return | IRR

Internal Rate of Return | IRR

Internal rate of return (IRR) is the discount rate that makes the net present value of all cash flows (both positive and negative) equal to zero for a specific project or investment.  What Is Internal Rate of Revenue Used for? Read more

Debt Load

Debt Load

Debt load is the total amount of debt that a company has on its balance sheet. All publicly traded companies must file financial statements, including balance sheets, every quarter. Read more

Net Debt

Net Debt

Net debt is a company's total debt less cash on hand. The formula for net debt is: Net Debt = Short-Term Debt + Long-Term Debt - Cash and Cash Equivalents For example, let's assume that Company XYZ has $10,000,000 in short-term debt, $4,000,000 in long-term debt, and $1,000,000 in cash and cash equivalents. Read more

Best Peer to Peer Lending for Borrowers and Investors

Best Peer to Peer Lending for Borrowers and Investors

Peer to peer lending (also called P2P lending) is a form of alternative lending that gives individuals access to personal loans funded solely by investors. Online peer to peer lending platforms connect lenders and borrowers, removing financial institutions from the equation. Read more

Forget What You've Heard: Debt-Laden Companies Can Make Great Investments

Forget What You've Heard: Debt-Laden Companies Can Make Great Investments

Forget what you've heard, debt-laden companies offer great turnaround potential if you know what to look for. For many investors, debt-free companies are the only way to go. Read more

The 250k Social Security Mistake You're Probably Making

The 250k Social Security Mistake You're Probably Making

My clients didn't believe me when I said they could make an extra $10,000 a year, right away. "Kate, we don't want to work harder. Read more

Target Date Funds: The Hassle-Free Way to Invest in Your 401k or IRA

Target Date Funds: The Hassle-Free Way to Invest in Your 401k or IRA

Many of us invest for one reason: to build a big enough nest egg for retirement. Good old-fashioned fund picking is the preferred route for many 401k and retirement investors, but can be a bit daunting for the novice investor. Read more

Benjamin Graham: The Father of Value Investing

Benjamin Graham: The Father of Value Investing

Benjamin Graham is considered by many to be the father of financial analysis and value investing. He revolutionized investment philosophy by introducing the concept of security analysis, fundamental analysis and value-investing theories. Read more

Why You Shouldn't Play It Safe In Your IRA

Why You Shouldn't Play It Safe In Your IRA

Increasing numbers of people are setting up self-directed Individual Retirement Accounts (IRAs), allowing them to call their own investment shots. Unfortunately, most investors are short-changing their retirement by being timid. Read more