Cynthia Measom

As the holiday season swings into view, people start making plans for Black Friday. Early morning sales, gifts with purchase and promises of unbeatable prices attract eager shoppers hoping to

Not every Black Friday deal is as good as it seems.

Cynthia Measom 3 min read While the average person is strategically grocery shopping to make each dollar count, the wealthy have

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The total-debt-to-total-assets ratio is one of many financial metrics used to measure a company's performance. In this case, the ratio shows how much of a company's operations are funded by debt. Other debt-related ratios include the debt-to-equity ratio, the current ratio, the interest coverage ratio, the debt-to-capital ratio and others. Try This: 7 Reasons You Should Consider a Financial Advisor -- Even If You're Not Wealthy The total-debt-to-total assets ratio is one of the most important because it shows how leveraged a company is and its potential risk of insolvency. Here's a look at how to calculate and interpret the total-debt-total-assets ratio and how it can be used to make certain financial evaluations about a company. How To Calculate Total Debt-To-Total Assets Ratio The total-debt-to-total-assets ratio is straightforward. Simply divide a company's total funded debt by its total assets. To express the ratio as a percentage, which is fairly common, multiply the result by...

Risk management plays a non-negotiable role in finance. Factors such as market swings, interest rate fluctuations and bad debts can all threaten financial goals and assets. However, with targeted strategies, banks, investment firms and corporations can reduce these risks and protect their bottom line. Try This: 7 Reasons You Should Consider a Financial Advisor -- Even If You're Not Wealthy What Is Risk Management in Finance? Risk management in finance is the process of identifying, assessing and controlling risks. These risks could affect financial outcomes and lead to potential losses for financial institutions, companies or investors. Main Types of Financial Risks Here's a look at the three main types of financial risks. Market Risk Market risk comes from the uncertainty related to any investment decision. Different types of market risk include the following: Interest rate risk: This happens when interest rates change unexpectedly, often due to central bank actions....

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