Outperforming your average bond fund on a risk-adjusted basis is not a particularly difficult task for the savvy retail investor. For investors, learning how to create a successful bond portfolio starts with learning some simple allocation methods. The advantages of doing so can be immediate, such as avoiding the high management fees some fund managers…
What Is a Short Line Candle? Short line candles—also known as short candles—are candles on a candlestick chart that have a short real body. This one-bar pattern occurs when there is only a small difference between the opening price and the closing price over a given period. The length of the upper and lower shadows—representing…
What Is a Corporate Pension Plan? A corporate pension plan is a benefit that provides income in retirement based on the employee’s length of service to the company and salary history. Pension plans for American workers have become rare outside of government employment. According to the Bureau of Labor Statistics, in 2019, the percentage of…
What Is an Instructing Bank? An instructing bank is one of the banks that play a role in a transfer of funds between two parties. The instructing bank is the one that initiates the fund transfer process, it acts as the administrator. From the customer, the instructing bank receives instructions on whom to send the…
What Is an Offline Debit Card? An offline debit card is a type of automated payment card, similar to a traditional (online) debit cardthat allows a cardholder to pay for goods and services directly from their bank account. As it is not “online,” there is a delay before the incurred cost is debited from the…
Shareholder Equity vs. Net Tangible Assets: An Overview Shareholder equity and net tangible assets are listed in a company’s balance sheet and both express the company’s net worth and underlying value. Shareholder equity is calculated including intangible assets, such as goodwill and patents, whereas net tangible assets do not include any intangible assets in its…
You dreamed of it, they haven’t done it yet, but maybe one day: 49.3, the government board game, one day, maybe, at your favorite retailers! In order to make you the master of the game even before its release, here are our tips to ensure you a victory! Early Christmas present. 1. Play in a…
Active traders often spend hours scouring the markets for niche segments that look poised to outperform the broader markets. One such group that has started to reappear in the results of many technical scans is small-cap value stocks. For many traders, scanning for small-cap value stocks is a particular favorite because the relatively small size…
This morning, after waking up in a bad mood, after taking a shower that was too cold and drinking a disgusting coffee in my rotten apartment, I had this very not very positive reflection: we had a shitty year after all. And even more: we may have just experienced the worst year in history (which…