finance
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ROA Calculation: Understand Return on Assets & Formula
Return on Assets (ROA) is a type of return on investment (ROI)ROI Formula (Return on Investment)Return on investment (ROI) is a financial ratio used to calculate the benefit an investor will receive i
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Understanding the Retention Ratio: Reinvesting for Growth
The retention ratio (also known as the net income retention ratio) is the ratio of a company’s retained income to its net incomeNet IncomeNet Income is a key line item, not only in the income st
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Understanding Retail REITs: A Comprehensive Guide
Retail REITs are a type of REIT that owns and manages retail properties in central business districts and upmarket areas. It leases the retail space to tenants looking to set up shopping malls, grocer
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Understanding Retail Bank Types: Commercial Banks, Credit Unions & More
Broadly speaking, there are three main retail bank types. They are commercial banks, credit unions, and certain investment fundsHadley CapitalFounded in 1998, Hadley Capital is a private equity firm h
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Restricted Stock: Definition, Types & How It Works
Restricted stock refers to an award of stock to a person that is subject to conditions that must be met before the stockholderStockholders EquityStockholders Equity (also known as Shareholders Equity)
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Restricted Cash: Definition, Types & Impact on Financial Statements
Restricted cash refers to cash that is held onto by a company for specific reasons and is, therefore, not available for immediate ordinary business use. It can be contrasted with unrestricted cash, wh
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Residual Dividend Policy: Definition, Pros & Cons
A business with a residual dividend policy holds zero excess cash at any given point in time. All spare cash must be either reinvested in the business or redistributed among the shareholders.Imperfect
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Residential REITs: Investing in Rental Properties Explained
Residential properties REITs are REITs that own and manage residential units for renting out to tenants. Residential REITs may be categorized into either single-family or multi-family structures that
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Reserve Ratio Explained: Understanding Bank Reserves
The reserve ratio – also known as bank reserve ratio, bank reserve requirement, or cash reserve ratio – is the percentage of deposits a financial institution must hold in reserve as cash.
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Reserve Funds: A Comprehensive Guide for Businesses & Individuals
A reserve fund refers to a savings account or highly liquid assets set aside to meet unexpected costs or financial obligations. Businesses, individuals, and condominium homeowners’ associations
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REIT vs. REOC: Understanding the Key Differences for Investors
As an investor, it is important to know the differences between REIT vs REOC. A real estate investment trust (REIT) and a real estate operating company (REOC) are types of real estate companies t
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Understanding Reinsurance: Protecting the Insurance Industry
Reinsurance companies, also known as reinsurers, are companies that provide insurance to insurance companies. In other words, reinsurance companies are companies that receive insurance liabilities fro
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Understanding Regulatory Risk: Impacts & Mitigation
Regulatory risk is the risk that a change in regulations or legislation will affect a security, companyCorporationA corporation is a legal entity created by individuals, stockholders, or shareholders,
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Regression Analysis: A Comprehensive Guide to Understanding Relationships
Regression analysis is a set of statistical methods used for the estimation of relationships between a dependent variable and one or more independent variablesIndependent VariableAn independent variab
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Understanding Registration Rights: Investor Protection & SEC Compliance
Registration rights are a form of control provision that enables investors to force companies to file a registration document, to serve purposes of both transparency and audit. The document must be fi
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Understanding Redundant Assets: Definition & Impact on Business
Redundant assets are assets that generate incomeOperating IncomeOperating income is the amount of revenue left after deducting the operational direct and indirect costs from sales revenue. for the bus
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Redemption Rights Clause: Protecting Property During Foreclosure
The redemption rights clause gives the owner of a property the right to reclaim his/her property during a foreclosureForeclosureWhen a homeowner stops paying on a loan used to purchase a home, the hom
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Understanding Recovery Rate: A Key Metric in Credit Risk
Recovery rate, commonly used in credit risk management, refers to the amount recovered when a loan defaults. In other words, the recovery rate is the amount, expressed as a percentage, recovered from
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Recourse Loans Explained: Understanding Borrower Liability
A recourse loan – alternatively known as recourse debt – is a type of loan that makes the borrower 100% liable for any outstanding balance. The loans require collateralCollateralCollateral
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Recapitalization: Definition, Types & Benefits | [Your Company Name]
Recapitalization is a type of a corporate restructuring that aims to change a company’s capital structure. Usually, companies perform recapitalization to make their capital structureCapital
finance
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Down Payment Savings: A Comprehensive Guide for First-Time HomebuyersYou’ve poured over Zillow. You’ve cruised through every street of your favorite neighborhood and know the houses by memory. There’s just one problem standing between you and your greige-walled homeow...
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Quality Management: Definition, Importance & ImplementationQuality management is the act of overseeing different activities and tasks within an organizationCorporate StructureCorporate structure refers to the organization of different departments or business ...
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Smart Savings Strategies: Grow Your Money EffectivelyCongratulations! Over the last few months and years, you’ve worked hard to build up your savings! Now that you have this considerable amount of money put aside, you migh...
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Save Money on Groceries: How Costco Produce Can Cut CostsIn the course of a year, that goes a...