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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 Jun 29, 2021

Dividend growth modeling helps investors determine a fair price for a company’s shares, using the stock’s current dividend, the expected future growth rate of the dividend and the required rate of return for the individual’s portfolio and financial goals. The dividend growth model is relatively easy to perform and can provide a helpful way to decide whether or not to invest in a particular security. Just keep in mind that the assumptions used may not turn out to be accurate. Read more

by Mark Henricks Jun 29, 2021

Dividends paid to investors by corporations come in two kinds – ordinary and qualified – and the difference has a large effect on the taxes that will be owed. Ordinary dividends are taxed as ordinary income, meaning a investor must pay federal taxes on the income at the individual’s regular rate. Qualified dividends, on the other hand, are taxed at capital gain rates. Lower-income recipients of qualified dividends may owe no federal tax at all. A financial advisor can help you find an assortment of securities that best meets your needs. Read more

by Mark Henricks Jun 28, 2021

Dividends are regular cash payments corporations make to shareholders as an incentive to get them to invest in the company. Dividend yield is a percentage figure calculated by dividing the total annual dividend payments, per share, by the current share price of the stock. From 2% to 6% is considered a good dividend yield, but a number of factors can influence whether a higher or lower payout suggests a stock is a good investment. A financial advisor can help you figure out if a certain dividend-paying stock is worth considering. Read more

by Mark Henricks Jun 28, 2021

Buying shares of real estate investment trusts (REITs) gives investors a convenient way to invest in land and buildings while receiving income and capital appreciation. REITs own and finance real… Read more

by Mark Henricks Jun 22, 2021

An option premium is the fee that the buyer of an option contract pays for the right to buy or sell stocks or other securities at a pre-set price when the contract’s time limit expires. From the… Read more

by Mark Henricks Jun 21, 2021

Tax efficient investing allows investors to reduce, delay and otherwise manage taxes generated by investment activities, potentially improving after-tax returns. Investors can use a variety of… Read more

by Mark Henricks Jun 21, 2021

Risk premium is the added return that investors expect to earn from an asset such as a share of stock that carries more risk than another asset such as a high-grade corporate bond. The risk premium… Read more

by Mark Henricks Jun 17, 2021

Snowflake is a cloud data platform company that lets business customers consolidate data from multiple clouds and other sources. After the company’s 2020 initial public offering the price of its… Read more

by Mark Henricks Jun 16, 2021

As marijuana laws have relaxed, the pot trade has become a legitimate industry and some cannabis-related companies, including Nevada pot superstore operator Planet 13, have gone public, allowing… Read more

by Mark Henricks Jun 16, 2021

Trusts and limited liability companies (LLCs) are both legal vehicles that can be used to protect assets. Both are also created at the state level but they have different features and different uses.… Read more

by Mark Henricks Jun 08, 2021

When the staff at the Securities and Exchange Commission (SEC) has made the decision to recommend taking an enforcement action against a person or firm, the commission will often issue a Wells Notice… Read more

by Mark Henricks Jun 08, 2021

U.S. monetary policymakers are often described as being either hawkish or dovish. The terms refer to different viewpoints on the way monetary policy should influence the economy. Hawks are primarily… Read more

by Mark Henricks Jun 03, 2021

When prices rise rapidly and persistently during an inflationary spiral, dollars lose purchasing power and investors can see the value of their portfolios decline. Inflation-hedging strategies try to… Read more

by Mark Henricks Jun 03, 2021

The producer price index (PPI) is a government economic report prepared by the Bureau of Labor Statistics (BLS) that measures the change in prices sellers receive for thousands of items and services.… Read more

by Mark Henricks May 21, 2021

The U.S. central bank, known as the Federal Reserve, has a dual mandate of managing inflation and promoting full employment. When Fed officials are said to be “dovish,” it means they are more… Read more

by Mark Henricks May 11, 2021

U.S. interest rates are controlled by the nation’s central bank, the Federal Reserve. The bank has Congressionally mandated tasks to pursue a monetary policy that encourages employment, keeps prices… Read more

by Mark Henricks May 20, 2021

Inflation occurs when prices for goods and services increase, while deflation happens when prices decrease. Sustained periods of sizable inflation or deflation can have significant effects on the… Read more

by Mark Henricks May 04, 2021

The 2017 tax reform law ended the ability for most taxpayers to deduct expenses for working from home just in time for millions more people to begin working from in response to the Covid pandemic.… Read more

by Mark Henricks Apr 30, 2021

Hurdle rate is a term describing the minimum return an investor requires before deciding to buy a security or make another type of investment. It is expressed as a percentag. That is, if an… Read more

by Mark Henricks Apr 30, 2021

It takes money to start and keep a business running, and access to capital is one of the major roadblocks to business ownership for many would-be entrepreneurs. However, there are several ways… Read more

by Mark Henricks Apr 22, 2021

The Pakistan Stock Exchange (PSX), formerly known as the Karachi Stock Exchange, was created when exchanges in Karachi, Lahore and Islamabad were merged by the Pakistan government. The PSX is now the… Read more

by Mark Henricks Apr 22, 2021

The Tokyo Stock Exchange (TSE) is the world’s third-largest exchange, with a total market capitalization of approximately $6.8 trillion. The Tokyo-based exchange lists nearly 3,800 companies. The… Read more

by Mark Henricks Apr 22, 2021

The oldest exchange in Asia is the Bombay Stock Exchange, based in Mumbai and now known as the BSE. Its roots go back to the 1850s. With a market capitalization of approximately $2.2 trillion, it is… Read more

by Mark Henricks Apr 06, 2021

The Australian Stock Exchange (ASX) lists more than 2,200 companies and has a market capitalization of approximately $1.5 trillion, or $2.15 trillion in Australian dollars (AUD). Its size places it… Read more

by Mark Henricks Apr 06, 2021

NYSE Chicago, formerly known as the Chicago Stock Exchange (CHX), is an equities-only stock exchange. Originally founded in the 19th century, it was acquired by the parent corporation of the New York… Read more