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Learn the true meaning behind terminology and read extensive explanations of a variety of financial topics including money management and corporate finance.
07
Apr

Best Credit Cards in 2022

By Akul Rankan. Edited by Arjun Chandrasekar. Overview  Credit cards, are the lifeblood of consumer consumption and are often a tough choice to make when acquiring one. With thousands of credit cards and companies, it becomes quite...
07
Apr

The Debt-to-Equity Ratio

By Sterling Xie. Edited by Arjun Chandrasekar. Overview Finance is certainly complicated, full of terms that seem to be mired in confusion. However, these terms ultimately can be simplified into simple phrases. The debt-to-equity ratio is one...
27
Mar

What are Dividend Kings?

By Ee Hsin Kok. Edited by Arjun Chandrasekar. Overview A great way for investors to earn passive income off of their portfolios is through collecting dividends from their shares. In recent decades, the rise of technology stocks...

Women of Wall Street

By Sterling Xie. Edited by Arjun Chandrasekar. Overview Women have made landmark strides in breaking...

What is Insider Trading?

By Ee Hsin Kok. Edited by Arjun Chandrasekar. Overview If you’ve ever seen stories of...

Capital Gains Taxation

By Hrishikesh Menon. Edited by Arjun Chandrasekar. Overview A major percentage of taxpayers adhere to...

E-commerce: How It Affects Brick-and-Mortar

By Sterling Xie. Edited by Arjun Chandrasekar. Overview As we socially distance and avoid contact,...

What are Stock Buybacks?

By Ee Hsin Kok. Edited by Arjun Chandrasekar. Overview There are multiple ways for successful companies to return value to their shareholders. Probably the most well-known of which is through...
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Car Insurance Tips

By Aniket Bose. Edited by Arjun Chandrasekar Overview Car insurance is insurance that is meant for cars, like life insurance is meant for humans. It is a contract between you...
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What is a Check Routing Number?

By William Cao. Edited by Arjun Chandrasekar. Overview The American Bankers Association (ABA), more commonly referred to as the check routing number, is needed for setting up direct deposits or...
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Car Insurance Tips

By William Cao. Edited by Arjun Chandrasekar. Overview If not attended to properly, car insurance can compound up annually and cost more to pay off annually. Research from the NAIC...
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B2B

By William Cao. Edited by Arjun Chandrasekar. Overview B2B or is it B to B or is it actually business-to-business? Well, it is actually all of the above. The term...
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What is a Real Yield?

By Ee Hsin Kok.  Edited by Arjun Chandrasekar. Overview Real yields, otherwise referred to as real interest rates, are a term used to describe an asset’s yields once adjusted against...
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Cashback Credit Cards Overview

By William Cao. Edited by Arjun Chandrasekar. Overview Ever been shopping at Target and heard the lines of “With Target’s RedCard™, you can save 5% and get a cashback reward”...
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A Good Credit Score

By William Cao. Edited by Arjun Chandrasekar. Introduction Imagine every individual having an assigned number from 300 – 850 and the value is a “make or break” type notion. The...
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What are Debt Ratios?

By Ee Hsin Kok. Edited by Arjun Chandrasekar. Overview When evaluating a company’s financial strength, one of the most important factors is how much debt a company has taken on....
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What does Delisting mean?

By Ee Hsin Kok. Edited by Arjun Chandrasekar. Overview You might have heard talk in recent years about the threat of certain Chinese companies like Alibaba and Baidu being delisted...
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Comprehensive Review on Tax Deductions and Refunds 

By William Cao. Edited by Arjun Chandrasekar. Overview  In this article, two financial concepts named Tax Deductions and Refunds will be dissected and written into a more simplistic and concise...
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Options Terminology: The Greeks – What is Theta and Vega?

By Ee Hsin Kok. Edited by Arjun Chandrasekar. Overview When learning about options, you will likely hear about the “Greeks”. The “Greeks” consist of Delta, Gamma, Theta, and Vega. In...
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Options Terminology: The Greeks – What is Delta and Gamma?

By Ee Hsin Kok. Edited by Arjun Chandrasekar. Overview When learning about options, you will likely hear about the “Greeks”. The “Greeks” consist of Delta, Gamma, Theta, and Vega. In...
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Blockchain in Cryptocurrency

By Aniket Bose. Edited by Arjun Chandrasekar. Overview Blockchain is a specific type of database and differs from a typical database, in the way it stores information. Blockchains store their...
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Mortgage Broker vs. Banker

By Aniket Bose. Edited By Arjun Chandrasekar. Overview A mortgage broker is an agent that brings mortgage lenders and people seeking a mortgage together, but they do not use any...
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Types of Bank Accounts

By Aniket Bose. Edited by Arjun Chandraeskar. Overview Bank accounts offer their consumers the guarantee of security, safety, and convenience for their money. Whether the consumer prefers to do online...
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50/30/20 Budgeting Strategy

By Dheeraj Veludandi. Edited by Arjun Chandrasekar. Overview The 50/30/20 budgeting rule is a way to categorize and track your after-tax income expenses into three categories: needs, wants, and savings....
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Stress in Investment Banking

By Dheeraj Veludandi. Edited by Arjun Chandrasekar. Introduction The salary that investment banking(IB) offers is one of the only reasons people take up this career path. But, IB is also...
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CFOs Role in Large Firms

By Aniket Bose. Edited by Arjun Chandrasekar. Overview A chief financial officer (CFO) is the senior executive at a firm/company responsible for managing the company’s financial actions. Their duties consist...
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How to Use Checks

By Hrishikesh Menon. Edited by Arjun Chandrasekar. Overview A cheque, or check, is a financial instrument given by the bank to an account holder with which the said account holder...
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What is a Social Security Number?

By Taylor Nunley. Edited by Arjun Chandrasekar.  Introduction The Great Depression devastated America in the early 1930s. The Stock Market Crash of 1929 caused panic in a country that was...
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How to Build Credit

By Hrishikesh Menon. Edited by Arjun Chandrasekar. Overview Credit is the trust of a lender in the borrower that the lent money will be paid back in by a set...
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What is Discounted Cash Flow?

By Aniket Bose. Edited by Arjun Chandrasekar Overview Discounted cash flow (DCF) is a valuation method used to estimate the value of an investment based upon its cash flows in...
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Being Smart About Credit

By Taylor Nunley. Edited by Arjun Chandrasekar. Overview The idea of credit and the accompanying score that comes with it can be scary. Everyone has heard a relative or friend’s...
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What is a Monthly Statement?

By Taylor Nunley. Edited by Arjun Chandrasekar. Overview It can be hard to keep track of all the different transactions made with an account. Thankfully, monthly statements exist to help...
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How does Life Insurance Work?

By Aniket Bose. Edited by Arjun Chandrasekar Overview Life insurance is a very common asset that is a part of many people’s financial planning over the long run. The best...
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What is Return on Equity?

By Aniket Bose. Edited By Arjun Chandrasekar Overview Return on equity (ROE) is a measure of financial performance which is calculated by dividing net income by shareholders’ equity. Since shareholders’...
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What is Net Profit Margin?

By Aniket Bose. Edited By Arjun Chandrasekar. Overview The net profit margin, also known as net margin, measures how much net income or profit is generated as a percentage of...
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Tax Brackets Overview

By Hrishikesh Menon. Edited by Arjun Chandrasekar. Overview Tax brackets are essentially categories of tax rates based on a person or multiple people’s income. It is a progressive tax system...
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Introduction to Credit Scores

By Michael Feng. Edited by Arjun Chandrasekar. Overview All transactions are based on the assumption of one thing: trust. When buying something off Amazon, you’re trusting the seller to deliver...
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Dealing With Debt

By Michael Feng. Edited by Arjun Chandrasekar. Overview Historians believe the creation of writing was to document financial transactions and debt, dating back several centuries. So if recording financial transactions...
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What is Return on Investment?

By Aniket Bose. Edited By Arjun Chandrasekar. Overview Return on investment (ROI) is a performance measure used to analyze the efficiency or profitability of an investment. ROIs are also used...
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Introduction to IPO

By Aniket Bose. Edited by Arjun Chandrasekar. Overview An initial public offering (IPO) refers to the process of providing shares of a private corporation to the public through issuing new...
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How to Short a Stock

By Hrishikesh Menon. Edited by Arjun Chandrasekar. Overview Short selling a stock is the opposite of buying a stock. It is when you borrow shares of a certain stock from...
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The Digital Finance Transformation

By Arjun Chandrasekar. Overview The world as we know it is becoming highly digitized with new technologies and renovations to existing products being created every day. We now have artificial...
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Introduction to Market Capitalization

By Hrishikesh Menon. Edited by Arjun Chandrasekar. Overview Market capitalization, or market cap for short, is the total dollar amount of a company’s outstanding shares. There are 3 main types...
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What are Credit Scores?

By Aniket Bose. Edited by Arjun Chandrasekar. Overview A credit score is a number that ranges from 300-850 which depicts a consumer’s creditworthiness. The higher the score, the better a...
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Trend Trading Overview

By Hrishikesh Menon. Edited by Arjun Chandrasekar. Introduction Trend trading is just how the title sounds, trading on a particular market trend for a specific timeframe. This trading strategy is...
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Introduction to Hedge Funds

By Arjun Chandrasekar. Overview Hedge funds are partnerships between investors and fund managers to facilitate large investment deals. The fund manager seeks to maximize their client’s returns and eliminate as...
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Introduction to Mutual Funds

By Arjun Chandrasekar. Overview Mutual funds are a popular form of investing, consisting of a portfolio of stocks, bonds, ETFs, and other assets. This diversified portfolio gives investors access to...
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What are Checking Accounts?

By Aniket Bose. What is a Checking Account? A checking account is a deposit account that is held at financial institutions allowing its users to make withdrawals and deposits. They...
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What are Commodities?

By Aniket Bose. Edited by Arjun Chandrasekar. Commodities are essentially basic goods used in commerce that are interchangeable with other goods of the same type. Commodities are most often used...
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Supply Chain Finance

By Aniket Bose. Edited by Arjun Chandrasekar. What is Supply Chain Finance? Supply chain finance (SCF) is a term that is used to describe solutions that aim to lower a...
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Simple Moving Average(SMA)

By Arjun Chandrasekar. Overview The Simple Moving Average (SMA) is one of many popular technical indicators that investors use to determine bullish or bearish trends. What the SMA tells us...
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Forex Trading

By Arjun Chandrasekar. Overview You might have heard the term “forex trading” in the news, but you probably don’t quite understand what it means. Well, we’re here to help you!...
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Credit vs Debit Card

By Aniket Bose. Edited by Arjun Chandrasekar. Overview Credit and debit cards almost look identical:16-digit card numbers, expiration dates, and personal identification number (PIN) codes, etc. Both of these cards...
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Introduction to Venture Capital

By Arjun Chandrasekar. Summary VC, or Venture Capital, is a variation or better known as a subset of private equity that provides financial support to startups and small businesses in...
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Share Turnovers Definition

By Arjun Chandrasekar. Summary Share turnovers in short, are a measure of the comparison between the volume of shares and the number of shares outstanding. For investors, analyzing a higher...
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Introduction to Personal Finance

By Arjun Chandrasekar. Summary Personal finance can be a vast, complex topic, especially in the US where the majority of adults don’t understand how to properly budget their savings. According...
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The Art of Compound Interest

By Arjun Chandrasekar. Summary Known as the 8th wonder of the world, compound interest is simply a formula used to calculate the interest on interest. It’s the result of reinvesting...
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