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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, 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 prospects. Lenders and investors often consider OCF a better gauge of profitability than indicators such as net income. Here’s what goes into this gauge, two ways it is calculated and why it matters. 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. However, in 2017 the personal tax exemption was eliminated as part of the Trump tax plan. Still, exemptions are still important tax saving tools. What’s more, President Donald Trump’s curiously small tax payments over the years, as reported by the New York Times, have directed public attention to the number and value of federal tax breaks in the form of deductions, credits and exemptions. Here’s what you need to know about tax exemptions and how they differ from tax deductions and tax credits. 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 changed from one accounting period to another offer insights into a business’s financial condition. This term is used with sole proprietors and partnerships. Learn what comprises this important element in a firm’s balance sheet and how to calculate the metric. Read more

by Mark Henricks Sep 17, 2020

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

by Mark Henricks Aug 19, 2020

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… Read more

by Mark Henricks Aug 18, 2020

Fair market value is the price a business, property or other asset would sell for in an open and competitive market where buyer and seller have adequate information of relevant facts, a reasonable… 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… 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