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Mark Henricks

Mortgage, Retirement and Investing Expert

Mark Henricks has reported on personal finance, investing, retirement, entrepreneurship and other topics for more than 30 years. His freelance byline has appeared on CNBC.com and in The Wall Street Journal, The New York Times, The Washington Post, Kiplinger’s Personal Finance and other leading publications. Mark has written books including, “Not Just A Living: The Complete Guide to Creating a Business That Gives You A Life.” His favorite reporting is the kind that helps ordinary people increase their personal wealth and life satisfaction. A graduate of the University of Texas journalism program, he lives in Austin, Texas. In his spare time he enjoys reading, volunteering, performing in an acoustic music duo, whitewater kayaking, wilderness backpacking and competing in triathlons.

Posts by Mark Henricks:

by Mark Henricks Sep 19, 2019

If you’re saving for just yourself, a single life annuity may be the perfect choice. Your beneficiaries won’t see a payout, though, as payments end when you die. A single life annuity, or straight life annuity, can provide a retiree with a monthly payment for as long as he or she lives. When the annuity holder dies, the payments stop. There are advantages and drawbacks to that, so here’s how a single life annuity works and what you need to know. Read more

by Mark Henricks Sep 18, 2019

An individual retirement account (IRA) can be the foundation of a great retirement plan. However, it takes a skilled financial planner to match a client up with the right IRA for their retirement. The Certified IRA Services Professional (CISP) designation can help separate financial advisors who know IRAs from those who may be less familiar. Here’s how the CISP works, what it means, and how to get it. Read more

by Mark Henricks Sep 18, 2019

An investment’s performance could mean the difference between a comfortable retirement and a few more years of work. Therefore, it’s vital for financial planners and investment managers to accurately assess investment performance for their clients. A Certificate in Investment Performance Management (CIPM) can tell clients that a financial professional has the expertise they’re looking for. Learn what a CIPM does and how they qualify.  Read more

by Mark Henricks Sep 17, 2019

New financial advisors need something to help them stand out. Consequently, the AAMS does just that. Designed for newcomers to the financial advice business, the AAMS trains advisors to identify… Read more

by Mark Henricks Sep 13, 2019

A Certified Management Accountant is an accounting professional specializing in financial management and reporting for organizations. The CMA certification establishes that someone is expert in… Read more

by Mark Henricks Sep 12, 2019

How do businesses and employees learn to trust the person running their retirement plan? Having a specialized certification from one of the top business schools in the nation doesn’t hurt. A CEBS not… Read more

by Mark Henricks Sep 03, 2019

Advisory shares are a type of stock option given to company advisors rather than employees. They may be issued to startup company advisors in lieu of cash compensation. Advisors are usually granted… Read more

by Mark Henricks Aug 30, 2019

The internal rate of return (IRR) measures the return of a potential investment while excluding external factors. IRR helps investors estimate how profitable an investment is likely to be. All else… Read more

by Mark Henricks Aug 30, 2019

Trading stocks after hours is both legal and useful for savvy investors. The stock market’s regular operating hours for buying and selling stocks and other securities are 9:30 a.m. to 4 p.m. Eastern… Read more

by Mark Henricks Sep 19, 2019

If you’re betting on the rise and fall of securities, you may be a speculator, not an investor. Investors and speculators both put money into assets, enterprises and instruments in the hope of… Read more

by Mark Henricks Aug 22, 2019

It’s great to save money, but investing to really makes it grow. You may simply want to save money to avoid the risk of losing even minor gains. But it can be hard to make your money work for you if… Read more

by Mark Henricks Sep 19, 2019

Modern portfolio theory (MPT) focuses on how to maximize returns for a given amount of risk. However, it also attempts to strike the balance between risk and reward to keep those returns steady. By… Read more

by Mark Henricks Sep 09, 2019

Cheap stocks that trade outside a traditional exchange are sometimes known as OTC stocks. They often trade at less than $5 per share and are offered by small companies. By not paying to be on a large… Read more

by Mark Henricks Sep 03, 2019

Just because the market isn’t open yet, doesn’t mean you can’t trade stocks. Premarket trading allows investors to make moves before official market hours. This allows investors to protect their… Read more

by Mark Henricks Aug 01, 2019

Want to bet against the future of a company or index? A put option is one way to do so. It gives the owner of an option contract the ability to sell at a specified price any time before a certain… Read more

by Mark Henricks Jul 26, 2019

Buying on margin lets investors increase potential return with borrowed money, but it’s a big risk. The Federal Reserve Board’s Regulation T, or Reg T, limits that risk. The collection of rules… Read more

by Mark Henricks Jul 25, 2019

An initial coin offering, or ICO, is a cryptocurrency-based method of funding for companies. While ICOs are often compared to IPOs (initial public offerings), the Securities and Exchange Commission … Read more

by Mark Henricks Jul 29, 2019

Securities and Exchange Commission (SEC) Rule 15c3-3 requires brokerage firms to maintain secure accounts. Also known as the Customer Protection Rule, SEC Rule 15c3-3 is part of the Code of Federal… Read more

by Mark Henricks Jul 24, 2019

Traditional health insurance can be very expensive, but there are lower-cost alternatives. As you look for ways to save money while also protecting yourself in case you get sick or injured, it pays… Read more

by Mark Henricks Aug 08, 2019

The yield curve is an economic indicator that tracks the relation between long- and short-term bond yields. When the yield curve inverts, people get very worried. Here’s why. Read more

by Mark Henricks Aug 21, 2019

Successful real estate agents can make good money. Real estate agent salary earnings come from commissions on property sales. And total income can vary widely depending on experience and other… Read more

by Mark Henricks Jul 10, 2019

Real estate agents are paid on commission. The median gross income earned by real estate agents and brokers was $39,800 in 2017, according to the National Association of Realtors. The main source of… Read more

by Mark Henricks Jul 10, 2019

An open-end mortgage allows you to borrow additional money on the same loan at a later date. An open-end mortgage blends some qualities of a traditional mortgage with some features of a home equity… Read more

by Mark Henricks Jul 09, 2019

A home equity loan is a type of secured loan. Your home and the equity you’ve built up in it (by making a down payment and mortgage payments) is used as collateral. Borrowing against the equity in… Read more

by Mark Henricks Jul 02, 2019

Return on equity (ROE) measures how well a company generates profits for its owners. It is defined as the business’ net income relative to the value of its shareholders’ equity. It reveals the… Read more