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Winter is almost here, and while most of us enjoy the occasional chill in the air, the season isn’t kind to our skin. There is little moisture in the environment, resulting in extreme dryness. In addition, there are fewer lipids in the skin barrier to keep moisture in. Cold, dry wind exacerbates the situation, and your skin soon feels like …

Covariance is used in portfolio theory to determine what assets to include in the portfolio. Covariance is a statistical measure of the directional relationship between two asset prices. Modern portfolio theory uses this statistical measurement to reduce the overall risk for a portfolio. A positive covariance means that assets generally move in the same direction. Negative covariance means assets generally …

What Is M-Pesa? M-Pesa is a mobile banking service that allows users to store and transfer money through their mobile phones. M-Pesa was introduced in Kenya as an alternative way for the population of the country to have access to financial services. Safaricom, the largest mobile phone operator in Kenya, launched M-Pesa in 2007. The service is a blend of …

Who says Christmas says want to rewatch good old childhood classics that warm the heart. And what could be better than snuggling up under a plaid in front of LOL or the Twilight saga with a good hot chocolate? According to scientists, this behavior can save 52 minutes of life, so do not hesitate to repeat it as often as …

Experience Growing up in a small town in Louisiana with a passion for what made some stocks great and others not so great, Luke Downey performed his first investing exercise as a teenager. With the desire for financial knowledge, he moved to New York City directly after graduation. After a brief stint at a day-trading firm, he landed a job …

What Is a Deferred Profit Sharing Plan (DPSP)? A deferred profit sharing plan (DPSP) is a Canadian employer-sponsored profit sharing plan intended to help employees save for retirement. The money in an employee’s DPSP account grows on a tax-deferred basis until withdrawal. Key Takeaways A deferred profit sharing plan (DPSP) is an employer-sponsored profit sharing plan in Canada that is …

It’s another great year coming to an end (no), and I decided it was time to wrap it all up (which will save me from thinking about my too many failures in 2022). Let’s start with something as embarrassing as this introduction where I only belittle myself: television discomfort. With each new revolution of the Earth around the Sun its …

What Is a Delayed Draw Term Loan? A delayed draw term loan (DDTL) is a special feature in a term loan that lets a borrower withdraw predefined amounts of a total pre-approved loan amount. The withdrawal periods—such as every three, six, or nine months—are also determined in advance. A DDTL is included as a provision of the borrower’s agreement, which …

Social Security is a U. S. federal program that provides recipients with benefits, including retirement and disability income, Medicare and Medicaidand death and survivorship. Social Security taxes are collected and used to disburse these benefits. Key Takeaways Certain religious groups qualify for Social Security tax exemption if they are recognized as being officially opposed to Social Security benefits. Non-resident aliens …