investing
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Calculate Terminal Value (Growing Perpetuity) in Excel: A Step-by-Step Guide
Spreadsheet programs like Microsoft Excel are ideal for use in calculating many financial variables, such as the rate of return or the present value. Any variable in an equation can be determined as l
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Unit Price vs. Stock Price: Understanding the Key Differences
A unit price is a currency value assigned to a single unit of measure. For example, a unit price can be applied to a mutual fund's basket of securities. A mutual fund's unit price is the price
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Unemployment Benefits & Administrative Leave: What You Need to Know
Workers can receive paid administrative leave. Employees often have concerns when an employer places them on administrative leave. This situation puts into question an employee's future,
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Cashing Out a Money Market Account: Options & Procedures
Money market accounts come in two forms: money market mutual funds and money market deposit accounts. However, you can cash in either of these account types at any time. Money market mutual funds cont
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401(k) and Unemployment Benefits in Pennsylvania: What You Need to Know
In Pennsylvania, the Pennsylvania Unemployment Compensation Law establishes the eligibility rules for individuals applying for unemployment insurance benefits. The Office of Unemployment Compensation
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Understanding Annual Reports: Key Elements for Investors
An annual report is a principal financial document that publicly traded companies prepare for their shareholders. Annual reports are also used by potential investors and securities analysts for stock
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Stock Split Calculation: Understanding and Formula
When a company splits its stock, it increases the number of shares outstanding and decreases the price per share. If you own that stock the number of the shares you own increases, but their total valu
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Understanding Selling vs. Administrative Expenses: A Clear Distinction
Image of a businesswoman. If you ever perused a company's income statement, you may have come across an entry called "Selling, General and Administration Expenses." Rather than
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California Unemployment Benefits: What Happens After 26 Weeks?
If you lose your job in California, you may be eligible for unemployment benefits for up to 26 weeks. At one time, you could file an EDD extension form and get benefits beyond those 26 weeks, but that
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Net Income vs. Cash Flow: Understanding the Difference
A company can have a positive net income but a negative cash flow for the same year if it uses the accrual method of accounting to record revenues and expenses. Under the accrual method of accounting,
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Lottery Trusts: Types & Benefits for Winners
Winning the lottery brings with it a rush of excitement, followed by countless questions. Many lottery winners wonder whether they should establish a trust for their winnings. The revocable trust and
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Convertible Bond Floor Value: Calculation & Importance
Convertible bonds are a hybrid debt instrument issued by a corporation that can be converted to common stock at the discretion of the bondholder or the corporation once certain price thresholds are ac
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Open-Ended vs. Closed-Ended REITs: Understanding the Difference
Closed-end REITs are sometimes priced at a premium to the REITs net asset value. Real estate can be bought and sold on the stock market when it is packaged inside a real estate investment tru
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Calculating Income from Discontinued Operations: A Comprehensive Guide
When a company sells or decides to sell a business component or unit, it reports the income or loss from the operations of the unit separate from its other operations on its income statement. This sho
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AAA vs. BAA Corporate Bonds: Understanding Yield Differences
The credit ratings of AAA and BAA are the two ends of the ratings spectrum for investment-grade corporate bonds as provided by the Moody's rating agency. The yield difference between bonds with th
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Insurance vs. Hedging: Understanding Risk Management Strategies
An insurance agent and her clients. Insurance and hedging both reduce your exposure to financial risk, but they do so in different ways. Insurance typically involves paying someone else to be
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Bond Defeasance: Understanding a Key Financial Strategy
Corporations and governmental entities issue bonds in order to borrow money from investors. The bonds require the issuer to pay interest and repay the principal on appointed dates. Bond defeasance is
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Understanding Pensions: How They Work & Benefit Calculations
Many employers fund pension plans for employees as part of their benefit packages. If your employer provides you with a pension plan, you typically must calculate your benefits using a formula establi
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Gross vs. Net Distribution: Understanding Retirement Account Withdrawals
A gross distribution is the amount of money you withdraw from an account, usually a retirement account such as an IRA or a 401(k). If the money in the account was deposited pre-tax, you'll need to
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Understanding Tier 2 Bonds: A Guide to Bank Capital
Tier 2 bonds are a form of long-term investment and bank liability. Tier two is one of the three levels that make up the capital structure found in banks. Tier one capital contains a bank'
investing
- Net Book Value: Calculation & Importance for Investors
- Accrued Expenses and the Income Statement: Understanding the Impact
- IRA Trustee vs. Custodian: Understanding the Key Differences
- Understanding Bull Runs: What They Are and What Drives Them
- Transferring Your IRA: A Step-by-Step Guide
- Invest in P&G: Understanding the Procter & Gamble Shareholder Investment Program (SIP)
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Tipping Etiquette in the U.S.: A Comprehensive GuideEvery time I get my hair cut, I’m faced with a dilemma — should I tip the barber or not? I usually get my hair cut in a small-town shop. I tip $2 on a $12 haircut. If I get to hear stories about Vie...
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Top 5 Side Hustles to Finance Your Dream VacationNowadays, everyone needs an additional source of income, especially if you catch that travel bug. Working full-time and sticking with a budget travel lifestyle helps pay for most people’s vacations. ...
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Marriott Bonvoy Elite Status: Benefits & How to Earn ThemMarriott loyalists can get a lot of benefits by joining the hotel chain’s rewards program. The appeal of each Marriott Bonvoy® elite status level depends on your particular preference...
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FHA Loans & Acreage: Understanding Land LimitsThe Federal Housing Administration's (FHA) mission statement is "to create strong, sustainable, inclusive communities and quality affordable homes for all." In keeping with that message,...