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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 26, 2019

Retirement, illness, disputes with a partner or even lack of interest can make business owners dream of selling. All of the above legitimate reasons to sell, but even owners who aren’t thinking of selling may want to plan for the unexpected. Therefore, that planning ideally should start when the business is founded. An exit strategy is an important part of any business plan. However, it’s never too late or early to make preparations for selling your business. Read more

by Mark Henricks Sep 26, 2019

The Certified Fixed Income Practitioner designation indicates expertise in all things regarding fixed-income securities. If you are a financial professional. who wants to help people invest in bonds and other somewhat sheltered assets, this can further your career. The CFIP designation also demonstrates a desire to learn and follow ethical standards. Let’s look at how the designation works and how professionals can obtain it. Read more

by Mark Henricks Sep 26, 2019

A company’s board of directors represents shareholders and supervises a company. As a result, directors are of particular importance to investors in individual stocks. It’s why all publicly traded companies have boards of directors. Meanwhile, many non-profits and non-public companies have a board of directors as well. Here’s how a typical board of directors works, what it does, and how board members earn their seats. Read more

by Mark Henricks Jan 14, 2020

If you’re saving for just yourself, a single life annuity may be the perfect choice. Your beneficiaries won’t see a payout, though, as payments end when you die. A single life annuity, or straight… Read more

by Mark Henricks Sep 18, 2019

An individual retirement account (IRA) can be the foundation of a great retirement plan. However, it takes a skilled financial planner to match a client up with the right IRA for their retirement.… Read more

by Mark Henricks Sep 18, 2019

An investment’s performance could mean the difference between a comfortable retirement and a few more years of work. Therefore, it’s vital for financial planners and investment managers to accurately… Read more

by Mark Henricks Jan 08, 2020

New financial advisors need something to help them stand out. Consequently, the AAMS does just that. Designed for newcomers to the financial advice business, the AAMS trains advisors to identify… Read more

by Mark Henricks Feb 02, 2021

Certified Management Accountant (CMA) is a professional specialization that focuses on financial management and accounting for companies and organizations. This certification establishes that someone… Read more

by Mark Henricks Sep 12, 2019

How do businesses and employees learn to trust the person running their retirement plan? Having a specialized certification from one of the top business schools in the nation doesn’t hurt. A CEBS not… Read more

by Mark Henricks Feb 23, 2021

Advisory shares are a type of stock option given to company advisors rather than employees. They may be issued to startup company advisors in lieu of cash compensation. Advisors are usually granted… Read more

by Mark Henricks Jul 16, 2020

The internal rate of return (IRR) measures the return of a potential investment. The calculation excludes external factors such as inflation and the cost of capital, which is why it’s called internal… Read more

by Mark Henricks Feb 02, 2021

Though most stock market business takes place during the regular operating hours, even average investors can now trade after-hours through use various technology platforms. The stock market’s regular… Read more

by Mark Henricks Sep 19, 2019

If you’re betting on the rise and fall of securities, you may be a speculator, not an investor. Investors and speculators both put money into assets, enterprises and instruments in the hope of… Read more

by Mark Henricks Aug 22, 2019

It’s great to save money, but investing to really makes it grow. You may simply want to save money to avoid the risk of losing even minor gains. But it can be hard to make your money work for you if… Read more

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… 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… 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… Read more

by Mark Henricks Feb 02, 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 Jul 26, 2019

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