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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 30, 2022

The chief executive officer (CEO) and the president of a corporation are normally the two highest-level leadership roles in a business. Sometimes the same person fills both roles, but there are often significant differences in responsibilities, powers and objectives. The duties of the positions may overlap somewhat but primarily complement each other. Here’s what these job titles normally describe. Read more

by Mark Henricks Aug 05, 2022

Fair market value is the price a business, property or other asset would sell for in an open and competitive market where the buyer and seller have adequate information of relevant facts, a reasonable time to complete a deal, are under no compulsion, are acting in their own interests and mutually agree on the price. The term is common in real estate and tax matters, but it is also used in salary negotiations, business sales and many other transactions, all of which hinge on coming up with a price that seems reasonable to the concerned parties. Do you have questions about the fair market value in your situation? Speak with a financial advisor about it today. Read more

by Mark Henricks Aug 18, 2020

A business credit score, which is distinct from a personal credit score, is a number that lenders and suppliers use to determine the availability and pricing of loans and other forms of credit for a firm. It’s based on a company’s use of credit and payment history, as well as other factors, including business revenues, assets and industry. Here’s how they’re calculated and how to improve yours. Read more

by Mark Henricks Aug 11, 2020

A tax deed is a legal document that gives a government body the right to sell a piece of real estate for non-payment of taxes. When a real estate owner gets behind on property taxes, the city or… Read more

by Mark Henricks Aug 10, 2020

Businesses use non-disclosure agreements (NDAs) to protect company secrets. These are legal contracts in which one or more persons agree to keep certain information secret. The agreements may also be… Read more

by Mark Henricks Aug 10, 2020

Real estate wholesaling is a kind of arbitrage in which a party known as a wholesaler negotiates a contract for the right, but not the obligation, to purchase a property for a particular price.… Read more

by Mark Henricks Aug 10, 2020

A minimum viable product (MVP) is an early version of a product with only basic features. The purpose of an MVP is to help a company or development team learn what will work without investing too… Read more

by Mark Henricks Aug 03, 2020

Cost of goods sold (COGS) is the determination of how much it costs retailers, wholesalers and manufacturers to produce the goods they sell. For makers and resellers of products, COGS, sometimes also… Read more

by Mark Henricks Jul 29, 2020

The burn rate of a company is a measure of its negative cash flow in a set period of time, typically a month. Investors, especially venture capitalists, monitor this metric closely to gauge when the… Read more

by Mark Henricks Jul 29, 2020

Mezzanine financing is a type of corporate debt that includes an equity component. It offers advantages to both borrowers and lenders that are not available through issuing stock or conventional debt… Read more

by Mark Henricks Jul 23, 2020

Crowdfunding is a relatively new, technology-driven part of the world of finance. Crowdfunding websites let firms and entrepreneurs raise funds and retail investors participate in appealing… Read more

by Mark Henricks Jul 22, 2020

A term sheet is a written document that spells out the key conditions of parties negotiating a proposed transaction, such as an investment in a business or the sale of a business. A term sheet is not… Read more

by Mark Henricks Jul 22, 2020

Every American state has its own securities laws that aim to protect investors against fraud. These laws, called blue sky laws, also oversee the licensing and reporting requirements placed on broker… Read more

by Mark Henricks Jul 22, 2020

Marketing as an affiliate is an increasingly popular way for people to write on digital platforms about goods and services to earn money on sales that stem from their positive reviews. U.S. affiliate… Read more

by Mark Henricks Sep 04, 2020

There are a variety of small business grants specifically for female entrepreneurs and women-owned businesses. These grants primarily come from private sources, and they tend to be competitive and… Read more

by Mark Henricks Jun 23, 2020

Cash flow describes how money flows into and out of a business. It covers a specific time period, such as a month or quarter. Managing cash flow is crucial for both individuals and businesses. Even… Read more

by Mark Henricks Jun 18, 2020

The term “lean startup” describes a method of starting a business that favors a flexible, trial-and-error approach to product development. Unlike traditional startup methods, which include analyzing,… Read more

by Mark Henricks Sep 04, 2020

Several grant programs exist to support minority-owned small businesses, from both the government and nonprofit organizations. The definition of “minority” varies by program, though most focus on… Read more

by Mark Henricks Jun 17, 2020

Small business owners can now host their e-commerce efforts on Facebook through its recently launched Facebook Shops, which the social media giant began rolling out on May 19, 2020. It’s not an… Read more

by Mark Henricks Jun 12, 2020

The two most popular ways of organizing a small business are LLCs and sole proprietorships. They are less costly and complicated compared to the alternatives of corporations and partnerships. There… Read more

by Mark Henricks Jun 10, 2020

So you’ve got a business that’s impacted by the coronavirus economy. Even with PPP loans and other government resources for small businesses, your revenue is suffering and you’re not sure if you can… Read more

by Mark Henricks Jun 03, 2020

Thinking of starting a business in Indiana? The Hoosier State’s low costs for doing business and low costs of living combine with a business-friendly regulatory environment and well-built… Read more

by Mark Henricks Jun 03, 2020

If you’re considering starting a business in Maryland, you’ll likely be impressed with the state’s well-educated populace, one of the country’s lowest poverty rates and the strong economic presence… Read more

by Mark Henricks Jun 01, 2020

A partnership is a form of business that has more than one owner. A limited liability partnership (LLP) incorporates some elements of a corporation and some elements of a partnership. An LLP offers… Read more

by Mark Henricks Jun 01, 2020

A limited partnership (LP) has two kinds of partners: One who does not get involved in daily management and another who is involved in daily management and bears more personal liability. It’s similar… Read more