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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 Jan 08, 2020

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 encouraging investors to diversify their portfolio and rebalance it when necessary, MPT attempts to help investors find the right risk-reward ration. Here’s how it works. Read more

by Mark Henricks Feb 12, 2021

Over-the-counter (OTC) stocks are also known as unlisted stocks. Typically offered by small companies, they are traded through market makers, rather than through stock exchanges like the New York Stock Exchange or Nasdaq. As a result, OTC stocks generally have a lower volume of trade than exchange-listed stocks and come with a higher degree of risk. Penny stocks are very cheap OTC stocks, which are typically priced at less than $5 per share. Most full-service brokerages can help you place orders for OTC stocks. For guidance on whether you should get into OTC stocks, you may want to consult a financial advisor. Read more

by Mark Henricks Feb 02, 2021

Although the stock market technically has hours that it operates within, you can still trade before it’s open. This is called premarket trading, and it allows investors to buy and sell stocks before official market hours. A major benefit of this type of trading is it lets investors react to off-hour news and events. However, a limited number of buyers and volatile prices can make premarket trading a bit risky for novice investors. For help with premarket trading and any other investment advice, consider working with a financial advisor. Read more

by Mark Henricks Jun 03, 2021

A put option allows investors to bet against the future of a company or index. More specifically, it gives the owner of an option contract the ability to sell at a specified price any time before a… Read more

by Mark Henricks Aug 19, 2021

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 Jan 15, 2020

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 Sep 25, 2020

A yield curve is an economic indicator that tracks the relationship between long- and short-term bond yields. More specifically, it looks at the difference between short- and long-term interest rates… 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 Jan 08, 2020

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 Oct 13, 2020

A home equity loan is a type of secured loan where a borrower uses the equity of their home as collateral for the bank. The amount available is generally determined by the value of the property as… Read more

by Mark Henricks Jan 14, 2020

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

by Mark Henricks Jun 27, 2019

The law of demand is a basic economics. As the price of at item rises or falls, with all other things staying the same, the demand for it rises or falls. However, despite determining everything from… Read more

by Mark Henricks Jan 08, 2020

Created in response to the Great Depression, the U.S. Securities and Exchange Commission (SEC) is largely responsible for protecting investors in U.S. securities. The federal agency does this by… Read more

by Mark Henricks Apr 28, 2021

In the world of accounting, finance and taxes, there’s more than one type of year. In addition to regular years, there are a number of different fiscal years. A fiscal year is the 12-month period a… Read more

by Mark Henricks Jan 12, 2021

The discount rate is a financial term that can have two meanings. In banking, it is the interest rate the Federal Reserve charges banks for overnight loans. Despite its name, the discount rate is not… Read more

by Mark Henricks Jul 15, 2019

If you’re investing in mutual funds or exchange-traded funds (ETFs), the fund manager will charge fees to cover their various expenses. Those fees are collectively rolled into what’s known as an… Read more

by Mark Henricks Aug 01, 2019

Mortgage insurance premiums (MIPs) pay for insurance to protect mortgage lenders against the risk that borrowers won’t pay them back. MIPs add to a borrower’s costs, but they allow you buy a house… Read more

by Mark Henricks Apr 16, 2019

A cafeteria plan – also known as a Section 125 plan, after the portion of the IRS code that regulates the plans – lets employees redirect part of their salaries and wages to pay for certain benefits.… Read more

by Mark Henricks Jun 01, 2021

A number of professions recognize the role of that supportive personnel trained in specified ways play in their work. Among the best known examples are paralegals and paramedics. Financial planners… Read more

by Mark Henricks Apr 05, 2019

When choosing a financial advisor, pay attention to what certifications they’ve obtained. Common certifications you’ll see include certified financial planner (CFP), chartered financial analyst (CFA)… Read more

by Mark Henricks Apr 02, 2019

Retirement is on many people’s minds, whether they are approaching it or still early in their careers and just hoping they won’t have to work until they’re nearly 100. Those contemplating retirement… Read more

by Mark Henricks Dec 22, 2020

If you miss the required minimum distribution (RMD) for your retirement account, you’ll essentially have two choices: pay a substantial fine or apply for a waiver. Either way, you’ll have a bit of… Read more