Investopedia Staff

Investopedia Staff

Investopedia believes that individuals can excel at managing their financial affairs. As such, we strive to provide free educational content and tools to empower individual investors, including thousands of original and objective articles and tutorials on a wide variety of financial topics.

  1. Credit, Loans & Mortgages

    Commercial Mortgage-Backed Securities (CMBS)

    A type of mortgage-backed security that is secured by the loan on a commercial property. A CMBS can provide liquidity to ...
  2. Bonds / Fixed Income

    Creditor

    A creditor is an entity that extends credit by giving another entity permission to borrow money if it is paid back at a later ...
  3. Credit, Loans & Mortgages

    Assessed Value

    Assessed value is the dollar value assigned to a property for purposes of measuring applicable taxes.
  4. Real Estate

    Delinquent

    The failure to accomplish what is required by law or duty, such as the failure to make a required payment or to perform a ...
  5. Credit, Loans & Mortgages

    Home Mortgage

    A home mortgage is a loan given by a bank, mortgage company or other financial institution for the purchase of a primary ...
  6. Bonds / Fixed Income

    What is the difference between yield and return?

    While both terms are often used to describe the performance of an investment, yield and return are not one and the same ...
  7. Taxes

    Alternative Minimum Tax - AMT

    A tax calculation that adds certain tax preference items back into adjusted gross income. Alternative minimum tax (AMT) uses ...
  8. Career / Compensation

    Unemployment Rate

    The percentage of the total labor force that is unemployed but actively seeking employment and willing to work.
  9. Taxes

    Marginal Tax Rate

    The amount of tax paid on an additional dollar of income. The marginal tax rate for an individual will increase as income ...
  10. Real Estate

    Real Estate

    Land plus anything on it, including buildings and natural resources.
  11. Retirement Savings

    Explaining Types of Fixed Annuities

    Learn about this popular retirement tool, its pros and cons and how annuities work to create a guaranteed regular stream ...
  12. Stocks

    Case Study: The Collapse of Lehman Brothers

    Lehman Brothers survived many financial crises in its long history. Find out what finally drove it to bankruptcy.
  13. Credit, Loans & Mortgages

    Loan-To-Value Ratio - LTV Ratio

    A lending risk assessment ratio that financial institutions and others lenders examine before approving a mortgage.
  14. Small Business

    Term Loan

    A loan from a bank for a specific amount that has a specified repayment schedule and a floating interest rate. Term loans ...
  15. Taxes

    Taxable Income

    Taxable income is described as gross income or adjusted gross income minus any deductions, exemptions or other adjustments ...