When you buy a car using a loan or another type of financing from a private party or financial institution, the name of the lender is entered on the certificate of title as a lien holder. A lien is a legal right on some property granted to a creditor, whichContinue Reading


What Is the Average Price-to-Earnings Ratio in the Food and Beverage Sector? The food and beverage sector includes diverse groups of companies specializing in producing different foods and beverages such as specialty health foods, meat products, eggs, soft drinks, beer, and liquor. One metric that investors use to assess aContinue Reading


When evaluating risk exposure, many organizations have adopted the value-at-risk, or VaR, metric, which is a statistical risk management technique measuring the maximum loss that an investment portfolio is likely to face within a specified time frame with a certain degree of confidence. VaR modeling determines the potential for loss in theContinue Reading


Sometimes it may seem like shopping has become America’s favorite pastime. With advertising popping up everywhere—from TV to billboards to city buses—shopping seems to be everywhere. Advertisers spend billions of dollars annually convincing us that products can make us feel successful, prevent us from being bored, help us attract a partner,Continue Reading


Gains & Losses vs. Revenue & Expenses: An Overview Most companies report such items as revenues, gains, expenses, and losses on their income statements. Though some of the terms will sound similar, there are different practical uses for gains and losses, as well as for revenues and expenses. Below, we’llContinue Reading


Management Fees vs. Management Expense Ratio: An Overview Mutual funds are a great way to invest in the stock and bond markets without incurring specific stock risk. A team of investment professionals manage these funds and can provide a way to participate in the market in a diversified manner. Selecting a mutualContinue Reading


Lyft vs. Uber: An Overview Sometimes it’s safer or more convenient to leave the driving and traffic headaches to someone else. This is the thought that eventually grew into Uber Technologies Inc. (UBER) and Lyft Inc. (LYFT), the two quintessential transportation service companies. In a race to the finish line,Continue Reading


Target Corporation’s RedCard program is a leading loyalty program among retailers in the United States. The program is accessible to everyone and is integrated seamlessly into customers’ payment methods. With lower barriers to entry than other loyalty programs, Target tries to builds a relationship with its customers and can personalize the promotions and advertisingContinue Reading