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.
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 certain date. Put options are a great way to hedge against market declines, but they, like all investments, come with a bit of risk. For starters, you can lose not only what you invested, but also any chance for profits. A financial advisor could help you answer questions about put option investments and create a financial plan for your needs and goals. Read more
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. This collection of rules limits how customers can trade using cash accounts. It is also used whenever an investor buys on margin, using money borrowed from a broker and shares as collateral. A financial advisor can offer valuable insight and guidance on how investment techniques like buying on margin. Read more
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 (SEC) says ICOs pose significantly greater risk of fraud and manipulation. Compared to traditional capital markets, ICOs are lightly regulated. Be mindful, as ICOs could turn out to be scams that give investors little or nothing for their money. Read more
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
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
Adjusted gross income, or AGI, is extremely important for filing your annual income taxes. More specifically, it appears on your Form 1040 and helps determine which deductions and credits you are… Read more
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