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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 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 Oct 30, 2020

The number of times a business sells and replaces its stock over a given time period is its inventory turnover ratio. The inventory turnover ratio, also sometimes called stock turns or inventory turns, helps retailers monitor and manage inventory. The inventory turnover ratio can direct timing and size of reorders, identify slow-selling products to mark down for quick sale and inform individual item purchasing decisions. Here’s how to calculate it and interpret the results. Read more

by Mark Henricks Oct 30, 2020

Current liabilities are short-term business debts that are due to be paid before the end of the current fiscal year. These upcoming charges are reported on a company’s balance sheet. Current liabilities include obligations such as accounts payable and amounts due to suppliers, employee wages and payroll tax withholding. Because they describe upcoming requirements that the company’s financial resources will have to fulfill, balance sheet figures for current liabilities draw close attention from business managers, creditors and investors. Read more

by Mark Henricks Oct 30, 2020

Private label products are purchased by a retailer from a manufacturer and sold under the retailer’s own brand. Private label brands, also known as store brands, compete with national name brand products, often primarily on price but also sometimes on features and quality. Sellers of private label items can specify product features in detail. For buyers, private label products offer the opportunity to pay discount prices for items that approximate or equal the quality of name brands. Private label products represent a significant share of sales in physical stores and are becoming more important for online commerce. Read more

by Mark Henricks Oct 01, 2022

The term “entrepreneur” is essentially synonymous with being a business owner. However, a serial entrepreneur takes things to the next level, as they often start many businesses in a row, regardless… Read more

by Mark Henricks Oct 29, 2020

If you need working capital for your small business over a period of three years or less, a short-term business loan could be right for you. Short-term loans help businesses acquire needed equipment,… Read more

by Mark Henricks Oct 20, 2022

Prenuptial and postnuptial agreements are both legal documents that address what will happen to marital assets if a married couple divorces or one of them dies. Both agreements describe similar… Read more

by Mark Henricks Oct 14, 2020

Real estate investors often consider the after-repair value, or ARV, of a piece of real estate when deciding whether a deal is worth pursuing. The ARV is an estimate of what the property will be… Read more

by Mark Henricks Oct 12, 2020

Trade credit is an arrangement that allows a business to acquire goods or services from another business without making immediate payment. This ability to buy now and pay later is an important… Read more

by Mark Henricks Oct 12, 2020

Accounting rate of return is a tool used to decide whether it makes financial sense to proceed with a costly equipment purchase, acquisition of another company or another sizable business investment.… Read more

by Mark Henricks Oct 12, 2020

Interest coverage ratio, or ICR, is used to evaluate a company’s ability to pay the interest it owes on its debts. There is no generally agreed upon standard for what makes a healthy ICR across all… Read more

by Mark Henricks Oct 12, 2020

Free cash flow is a measure that helps business owners, investors and others assess a business’s financial performance and outlook. Free cash flow is defined as operating cash flow minus capital… Read more

by Mark Henricks Oct 07, 2020

Capital budgeting aims to highlight the risks and rewards of a business’s major investment proposals to determine if the ideas are really worth it. To do this, capital budgeting attempts to quantify… Read more

by Mark Henricks Oct 07, 2020

The section of the Internal Revenue Service code that describes the requirements for nonprofit entities, including public charities and private foundations, is known as 501(c)3. This section explains… Read more

by Mark Henricks Oct 06, 2020

A SWOT analysis, which is an acronym for a business’s strengths, weaknesses, opportunities and threats, helps business managers think in new ways, sometimes about things they would prefer to avoid… Read more

by Mark Henricks Sep 30, 2020

The 2017 Tax Cuts and Jobs Act introduced a deduction for qualified businss income (QBI) that provides a significant tax break to many business owners. The newly created Section 199A of the federal… Read more

by Mark Henricks Sep 30, 2020

Operating cash flow, or OCF, refers to the amount of cash a company generates from normal business operations over a specific period of time. It’s widely used to evaluate a company’s performance and… Read more

by Mark Henricks Sep 29, 2020

Tax exemptions let individuals and organizations avoid paying taxes on some or all of their income. Exemptions were once available to almost all tax filers in the form of the personal exemption.… Read more

by Mark Henricks Sep 17, 2020

Owner’s equity is the value of a business that the owner can claim, and it consists of the firm’s total assets minus its total liabilities. Both the amount of owner’s equity and how much it has… Read more

by Mark Henricks Sep 22, 2022

A vesting period is the time an employee must work for an employer in order to own outright employee stock options, shares of company stock or employer contributions to a tax-advantaged retirement… Read more

by Mark Henricks Sep 14, 2020

Public benefit corporations, also known as benefit corporations, are for-profit businesses whose charters commit them to social or environmental missions, not just maximizing shareholder value. These… Read more

by Mark Henricks Sep 14, 2020

EDGAR, which is short for Electronic Data Gathering, Analysis and Retrieval system, is a massive U.S. government database on the finances of publicly traded corporations that is free to the public.… Read more

by Mark Henricks Sep 14, 2020

Seed capital refers to funds raised to start a business. Also referred to as seed money, seed funding or startup capital, it enables entrepreneurs to transform a viable business idea into a new… Read more

by Mark Henricks Aug 28, 2020

A merchant cash advance (MCA) is an alternative form of financing for companies that need cash fast but lack credit and, thus, access to conventional business loans. Although credit rating and… Read more

by Mark Henricks Oct 02, 2020

Many businesses and entrepreneurs borrow money at some point to cover various costs. While going into debt has a bad reputation in some circles, business loans are time-tested tools for achieving… Read more

by Mark Henricks Aug 25, 2020

A business line of credit is a financing tool that provides firms with advantages not available from business credit cards or term loans. Unlike loans, business lines of credit let companies borrow… Read more