Author: Benjamin Lee

Benjamin Lee is an experienced independent insurance broker, licensed in Life, Health, Property & Casualty insurance. He has been serving clients for over 15 years, providing comprehensive insurance solutions that help them prepare for the unexpected. Benjamin has a background in accounting and finance, which has helped him to develop a deep understanding of the financial needs of his clients. He is passionate about financial education and is committed to helping his clients achieve their financial goals through smart insurance planning. Although Benjamin primarily services the New York area, he is licensed in several other states and has clients all over the country. He specializes in life insurance, business insurance, and home insurance, and is dedicated to providing his clients with the information they need to make informed decisions about their insurance coverage. Benjamin is a valuable member of the Investment Guide team, and we are proud to have him as one of our contributors.

IntroductionSEC Form 10-K is a comprehensive annual report that publicly traded companies must file with the U.S. Securities and Exchange Commission (SEC). It provides a detailed overview of a company’s financial performance, including its assets, liabilities, and operations. It also includes information about the company’s management, corporate governance, and risk factors. Investors and analysts use Form 10-K to gain insight into a company’s financial health and to make informed decisions about investing in the company. By reading and analyzing the information in the 10-K, investors can gain a better understanding of a company’s financial position and performance.What is SEC Form…

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IntroductionThe Social Security Administration (SSA) is a federal agency that administers the Social Security program in the United States. The SSA provides a variety of services to help individuals evaluate their eligibility for Social Security benefits. These services include online tools, calculators, and other resources to help individuals understand their Social Security benefits and how to apply for them. Additionally, the SSA provides information on how to appeal a denied claim and how to report changes in circumstances that may affect benefits. By using the SSA’s resources, individuals can make informed decisions about their Social Security benefits and ensure they…

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IntroductionThe Pension Benefit Guaranty Corporation (PBGC) is a federal agency that provides insurance protection for private-sector pension plans. It was created in 1974 to protect the retirement benefits of workers in the event that their employer’s pension plan fails. PBGC is funded by insurance premiums paid by employers who sponsor pension plans, as well as by investment income and recoveries from the companies whose pension plans have failed. PBGC provides a variety of services to help employers and workers understand their rights and responsibilities under the law, and to ensure that pension plans are properly funded and managed. PBGC also…

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IntroductionEV/EBITDA is a financial ratio used to measure the value of a company relative to its earnings before interest, taxes, depreciation, and amortization (EBITDA). It is a popular metric used to compare companies in the same industry and to determine the value of a company for potential investors. The ratio is calculated by dividing the enterprise value of a company by its EBITDA. The enterprise value of a company is the sum of its market capitalization, debt, and minority interest, minus its cash and cash equivalents. By using EV/EBITDA, investors can quickly compare the value of a company to its…

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IntroductionThe Price Earnings to Growth (PEG) ratio is a tool used to measure the relative value of a stock based on its price-to-earnings (P/E) ratio and its expected growth rate. It is used to determine whether a stock is undervalued or overvalued based on its current price and expected future earnings growth. The PEG ratio is calculated by dividing the stock’s P/E ratio by its expected earnings growth rate. A stock with a PEG ratio of 1 is considered fairly valued, while a stock with a PEG ratio of less than 1 is considered undervalued and a stock with a…

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IntroductionMACD (Moving Average Convergence Divergence) is a technical analysis indicator used to identify momentum and trend changes in stock prices. It is calculated by subtracting the 26-day exponential moving average (EMA) from the 12-day EMA. The MACD line is then plotted against a signal line, which is a 9-day EMA of the MACD line. Traders use the MACD to identify potential buy and sell signals in the stock market. When the MACD line crosses above the signal line, it is a bullish signal, indicating that the stock price may be ready to move higher. Conversely, when the MACD line crosses…

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IntroductionVIX, or the CBOE Volatility Index, is a measure of expected volatility in the stock market. It is calculated by taking the weighted average of the implied volatilities of a wide range of S&P 500 index options. VIX is often used as a measure of market sentiment and is often referred to as the “fear index”. It is also used as a tool for forecasting future volatility in the stock market. By analyzing the VIX, investors can gain insight into the market’s expectations for future volatility and use this information to make more informed investment decisions. Additionally, VIX can be…

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IntroductionThe Nasdaq Composite is a stock market index that tracks the performance of all stocks listed on the Nasdaq stock exchange. It is one of the most widely followed indices in the world and is often used as a benchmark for the performance of the technology sector. The Nasdaq Composite is a great tool for tech stock investors as it provides a comprehensive overview of the performance of the technology sector. It can be used to identify trends in the sector, identify potential investments, and track the performance of individual stocks. Additionally, the Nasdaq Composite can be used to compare…

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IntroductionThe Dow Jones Industrial Average (DJIA) is a stock market index that tracks the performance of 30 of the largest and most influential blue-chip stocks in the United States. It is one of the oldest and most widely followed stock market indices in the world. The DJIA is a price-weighted index, meaning that the stocks with the highest prices have the greatest influence on the index’s performance. Investors use the DJIA to track the performance of blue-chip stocks and to gauge the overall health of the stock market. The DJIA is also used as a benchmark for other stock market…

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