Credit & Loans

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  1. Understanding Credit Cards

    Credit cards are a type of unsecured personal loan between the credit card issuer and the credit card holder.
  2. Explaining Banker's Acceptances

    A banker’s acceptance (BA) is a way for two unfamiliar parties to transact business on credit.
  3. Is the banking sector subject to any seasonal trends?

    Explore the unexpected seasonal trends that can be discerned regarding the banking industry and the financial services sector ...
  4. Microfinance & Macrofinance: What's The Difference?

    What are the key differences between microfinance and macrofinance? Investopedia takes a look.
  5. How Able Lending Works

    A new wave of peer-to-peer and peer-to-business lenders is reshaping the way borrowers obtain credit. Able's unique take ...
  6. What is the difference between an Equity REIT and a Mortgage REIT?

    Find out more about real estate investment trusts and the main differences between equity and mortgage real estate investment ...
  7. How have low interest rates affected the real estate sector?

    Learn how low interest rates stimulate the real estate sector by making it more affordable to borrow money to invest in real ...
  8. Buying a Home? The Best Places Share This Feature

    The most lucrative areas to invest in a home are cities where job growth is robust.
  9. What is an Unsecured Loan?

    An unsecured loan is based on the creditworthiness of the borrower, and has no collateral securing the loan.
  10. How Microfinance and Investment Banking Compare

    Investment banks and microfinance institutions (MFIs) provide similar services, but the clients they serve and the incentives ...
  11. Can small investors buy collateralized mortgage obligations (CMOs)?

    Read about collateralized mortgage obligations and their relationship with small investors, plus what risks small investors ...
  12. What is the difference between an option-adjusted spread and a Z-spread in reference ...

    Learn about the difference between the Z-spread and option-adjusted spread valuations of future cash flows for bonds, and ...
  13. How would a standby letter of credit be used during an export transaction?

    Learn what a standby letter of credit is and how it works, as well as how a standby letter of credit is typically used for ...
  14. What are some historical examples of debt securitization?

    Find out how debt securitization started, how it works and why the government facilitated the mortgage-backed security market ...
  15. 5 Times Cash Rewards Credit Cards Come In Handy

    Using a credit card with cash rewards during emergencies can help you get through tough times, buy you time to pay off costs ...
  16. What Are The Tax Advantages Of Buying A Home?

    Don't forget these deductions and credits that homeowners can use to reduce their tax bill.
  17. Explaining Risk-Weighted Assets

    Risk-weighted assets is a banking term that refers to a method of measuring the risk inherent in a bank’s assets, which is ...
  18. Understanding Term Loans

    A loan from a bank for a specific amount that has a specified repayment schedule and a floating interest rate.
  19. What price-to-book ratio is considered average in the chemicals sector?

    Learn more about the loan-to-value ratio, what the ratio measures and how to calculate the loan-to-value ratio on Microsoft ...
  20. American Express's Main Competition

    American Express competes with Visa, MasterCard, and Discover Financial Services in the credit card space. It also competes ...
  21. What are some of the well-known no-load funds?

    Find out more about the capital to risk-weighted assets ratio, what the ratio measures and the formula used to calculate ...
  22. Why is it beneficial to innovate financial models and techniques used in quantitative ...

    Understand why it's necessary to negotiate lower interest rates on your credit cards, and learn the techniques you can use ...
  23. How can I use quantitative analysis to evaluate investment decisions if I don't have ...

    Discover whether companies that advertise debt consolidation services are legitimate. Some may take advantage of people who ...
  24. What are some common models that practitioners use in quantitative analysis of equity ...

    Understand which aspects of a credit card agreement make accepting a new credit card offer a good deal or one that should ...
  25. Credit Cards That Will Get You First Class Flights

    It's getting harder and harder to be upgraded to first or business class on airlines. Here are some credit cards that may ...
  26. Why do long-term care insurers require the loss of two Activities of Daily Living ...

    Find out why an importing or exporting merchant might turn to a banker's acceptance to help facilitate an international trade ...
  27. Dos And Don'ts Of Selling A House

    Tips for selling your house in the shortest time possible and for the best price
  28. How can I use the correlation coefficient to predict returns in the stock market?

    Read about simple interest loans, how they function, and some of the loan products or contracts that are most likely to carry ...
  29. What are the differences between preference shares and bonds?

    Learn what information banks keep on file for their customers, and understand how this information can be used to deny an ...
  30. What are some reasons banks deny applications for checking accounts?

    Understand what a revolving credit account is and what a general line of credit is, and learn the differences between the ...
  31. How can I calculate compounding interest on a loan in Excel?

    Find out about compound interest and how to use the compounding interest formula in Microsoft Excel to calculate the compound ...
  32. The Advantages That Older Entrepreneurs Enjoy

    Entrepreneurs typically have more experience, more collateral, and more connections when they are in their fifties, and are ...
  33. Swimming Pools: Costs Vs. Long-Term Value

    Consider the costs of installing and maintaining a swimming pool, and compare this with the pool's utility and the market ...
  34. What is the purpose of liquidation?

    Read about the role of liquidation in corporate finance and why it encourages discipline and efficiency in a market economy.
  35. How To Finance Foreign Real Estate

    If you don't pay cash, financing real estate abroad is likely to cost more than at home. Watch for local laws and be sure ...
  36. Are money market accounts for short-term investments a good idea?

    Learn whether money market accounts are good ideas for short-term investments. Money market accounts combine aspects of a ...
  37. How The Federal Reserve Affects Mortgage Rates

    The Federal Reserve's actions as it aims to maintain economic stability impact the cost of funds for banks and consequently ...
  38. The Purpose Of Having A Social Security Number

    When (and why) it is necessary to use the nine-digit number the United States government issues to individuals and when you ...
  39. Steps To Replace Or Update Your Social Security ID

    Investopedia's step-by-step guide to filling out the form that gets you a new or replacement Social Security card.
  40. Did the repeal of the Glass-Steagall Act contribute to the 2008 financial crisis?

    Understand the argument that the repeal of the Glass-Steagall Act caused the 2008 financial crisis, and learn why the argument ...
  41. What are some examples of debt instruments?

    Learn about the common types of debt instruments used by individuals, businesses and governments to raise capital and generate ...
  42. What is the difference between secured and unsecured debt?

    Understand the difference between secured and unsecured debt and how the reliability and trustworthiness of the issuing entity ...
  43. What are the differences between debit cards and credit cards?

    Learn how the major difference between a debit card and a credit card is where the money comes from when a customer makes ...
  44. How are Net Credit Purchases calculated in the accounts payable turnover ratio?

    Find out how to calculate a company's net credit purchases, the figure that makes up the numerator in the accounts payable ...
  45. What is the relationship between national interest rates and the amount of revolving ...

    Learn about the relationship between national interest rates and the amount of revolving credit issued and what happens when ...
  46. How does lower borrowing costs affect new airlines in the aerospace industry?

    Explore how lower borrowing costs can help new airlines afford to purchase or lease aircraft and pay for salaries, fuel and ...
  47. Explaining the Glass-Steagall Act

    An act the U.S. Congress passed in 1933 as the Banking Act, which prohibited commercial banks from participating in the investment ...
  48. Save? (Or Prepay Your Mortgage Or Student Loan?)

    With low-interest rate loans, you might be better off paying just your monthly minimum and investing whatever extra funds ...
  49. Not a U.S. Citizen? A Home Loan is Still Possible

    Many banks and mortgage companies offer conventional and FHA home loans to non-U.S. citizens, if they can verify their work ...
  50. What is the difference between continuous compounding and discrete compounding?

    Learn to differentiate between and calculate the continuous and discrete compounding formulas for interest-generating investments ...
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