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Most BNPL services don't affect your credit score for approval (soft check) or on-time payments. However, missed payments may be reported and hurt your score. Affirm reports all loans to Experian.
Read moreYes, but it's risky. With multiple plans, you'll have payments hitting your account every few days, making it easy to lose track and overdraft. Limit to 1-2 active plans max.
Read moreYou'll be charged a late fee ($7-10), your account may be paused from future purchases, and repeated missed payments may be reported to credit bureaus.
Read moreIt depends. BNPL is better if you don't have a credit card or want to avoid interest charges. Credit cards are better if you want rewards (1-5% cashback), fraud protection, and simpler payment trac...
Read moreYield to maturity (YTM) is the annualized total return you would earn if you held the bond until it matures and reinvested coupons at the same rate. It accounts for coupon payments, price paid, tim...
Read moreThe coupon rate is fixed at issuance (e.g., 5% on $1,000 par = $50/year). Current yield = annual coupon divided by the bond's current price. For example, a 5% coupon paying $50 trading at $950 has ...
Read moreWhen market rates rise, new bonds offer higher yields, making existing lower‑coupon bonds less attractive. To compensate, prices of existing bonds drop until their YTM aligns with prevailing rates....
Read moreDuration measures a bond’s price sensitivity to interest rate changes and approximates time to recover price moves via coupons. A duration of 6 suggests a ~6% price change for a 1% rate move. Inves...
Read moreTax‑equivalent yield compares a tax‑exempt muni’s yield to a taxable bond. For a 4.0% muni and a 32% marginal tax rate, the tax‑equivalent yield is 4.0% ÷ (1 − 0.32) ≈ 5.88%. High‑income investors ...
Read moreBreak-even analysis calculates the sales volume at which total revenue equals total costs, resulting in zero profit or loss. It helps businesses understand how many units they need to sell to cover...
Read moreContribution margin is the difference between selling price and variable cost per unit. It represents how much each sale contributes toward covering fixed costs. After break-even, this becomes pure...
Read moreStandard mode calculates basic break-even for product sales. Marketing mode adds advanced metrics like ROAS (Return on Ad Spend), CAC (Customer Acquisition Cost), and LTV (Lifetime Value) to analyz...
Read moreA margin of safety above 30% is excellent, 20-30% is good, 10-20% is moderate, and below 10% is risky. It shows how much sales can drop before you hit break-even, providing a cushion against unexpe...
Read moreROAS (Return on Ad Spend) measures revenue generated per dollar spent on advertising. A 3× ROAS means you earn $3 for every $1 spent. Your break-even ROAS depends on your contribution margin and ov...
Read moreA CAC:LTV ratio of 1:3 or better is considered healthy, meaning you earn at least $3 in lifetime value for every $1 spent acquiring a customer. 1:5+ is excellent, 1:1.5 is borderline, and below 1:1...
Read moreThe 50/30/20 rule divides your after-tax income into three categories: 50% for needs (housing, utilities, food, insurance, minimum debt payments), 30% for wants (dining out, entertainment, hobbies,...
Read moreZero-based budgeting means you assign every dollar of income to a specific category until you reach zero—income minus expenses equals zero. It's more detailed than the 50/30/20 rule and forces inte...
Read moreThe envelope method uses cash divided into labeled envelopes for spending categories (groceries, gas, entertainment). When an envelope is empty, you stop spending in that category until next month....
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