Ross has a background in writing, editing, and filmmaking before transitioning into the technology sector. He now primarily focuses on creative communications and bringing difficult subjects down to earth. He has written multiple guides on his methods of studying for fintech/finance industry tests.
He lives and works in Seattle, where he is the lead strategist at and one of the cofounders of the Nori carbon removal marketplace.
What Is Subprime? Subprime is a below-average credit classification of borrowers with a tarnished or limited credit history, and which are subject to higher than average interest rates. Lenders will use a credit scoring system to determine which loans a borrower may qualify for. Subprime loans carry more credit risk, and as such, will carry…
What Is Capacity? Capacity is the maximum level of output that a company can sustain to make a product or provide a service. Planning for capacity requires management to accept limitations on the production process. Depending on the business type, capacity can refer to a production process, human resources allocation, technical thresholds, or several other…
Cargill is one of the largest private companies in the United States. Since its founding in 1865 by William W. Cargill, the company has maintained its status as a private company mainly owned by family heirs. Cargill is one of the largest players in the agricultural, livestock, and processed foods markets. Through a series of…
ECB announces massive stimulus package Purchases to continue till crisis over, issuer limits may be removed Lagarde’s “whatever it takes” moment The European Central Bank (ECB) yesterday launched an €750 billion ($820 billion) emergency private and public bond purchase scheme dubbed Pandemic Emergency Purchase Programme (PEPP). According to the statementit will continue at least until the…
What Is an Asset’s Useful Life? A tangible asset is any asset in physical form. Tangible assets include fixed assets such as machinery, land, and buildings. Tangible assets can also be current assetssuch as inventory. Any tangible asset has a useful life of more than one year. Factors involved in determining the useful life of…
Loss Ratio vs. Combined Ratio: An Overview The loss ratio and combined ratio are used to measure the profitability of an insurance company. The loss ratio measures the total incurred losses in relation to the total collected insurance premiumswhile the combined ratio measures the incurred losses and expenses in relation to the total collected premiums….
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