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What is Effective Annual Interest Rate?
Also known as the annual equivalent rate (AER), the effective annual interest rate is the actual annual interest rate on a bond or loan when it compounds more than once a year.
The effects of compounding will make the AER higher than the annual interest rate if the security compounds greater than annually.
How can I invest in hedge funds?
Some hedge funds will require investors to fit the Qualified Purchaser criteria, which requires a portfolio of $5 million
What is the Difference Between Cash-Balance Plans and Other Retirement Plans?
Cash Balance plans are Defined Benefit plans, but are not much like Pensions, or other types of retirement plans
Can I Start Collecting My Social Security Benefits If I’m Still Working?
If you start to take benefits while working and before the normal retirement age, your benefit will be reduced
Do I Need Life Insurance for My Spouse?
Generally speaking, it is wise to buy life insurance for your spouse when he or she is a main source of income
What does Earnings mean?
Earnings is another word for the net income of a company. It is one of the most important numbers in corporate finance
What is the Investment Advisors Act of 1940?
The IAA sought to regulate an industry that was deemed to be of public concern and within the Federal jurisdiction
What is the Rising Pennant (Bullish) Pattern?
The Rising (Bullish) Pennant pattern looks like a pennant. It forms when rising prices experience a consolidation period
What is Long-Term Debt?
Long-term debt refers to the duration of a liability/amount owed, and to qualify it must be due at least 12 months out
What is Accelerated Life Insurance?
Life insurance contracts sometimes contain provisions where death benefits can be paid out while alive. Called “accelerating”
What is a Value Stock?
Value Stock is a stock whose price has been deemed a value buy because of fundamentals, book value, and projected earnings