Finelo Blog
Learn investing and trading, one article at a time. Practical guides, beginner-friendly explainers, and learning tips from the Finelo team.
Cash Ratio Formula: Its Importance and Calculation
The cash ratio equals cash and cash equivalents divided by current (short-term) liabilities: Cash Ratio = (Cash + Cash Equivalents) / Current Liabilities.
Break of Structure Trading: What It Means and How to Read It
A break of structure (BOS) is when price closes beyond the most recent swing high or swing low in the same direction the market was already moving: above the last higher high in an uptrend, or below the last lower low in a downtrend.
Best Financial Literacy Apps for Adults: Comparison
Quick answer: Different apps serve different learning goals. Finelo focuses on guided investing education Finelo support, Khan Academy offers free financial-literacy lessons Khan Academy, Zogo uses short gamified modules Zogo support, and YNAB combines a budgeting method with software YNAB features.
Best Backtesting Software for Beginners: Comparison
Quick answer: TradingView offers browser-based strategy testing TradingView support, Backtest Labs markets a visual workflow Backtest Labs pricing, NinjaTrader documents desktop Strategy Analyzer tools NinjaTrader guide, and QuantConnect offers a code-first research environment QuantConnect pricing.
After-Tax Return Formula: How to Calculate What You Keep
After-tax return measures investment performance after taxes attributable to distributions and realized gains. The calculation depends on whether distributions are included in ending value or were paid out as cash.
ADR Fee: Guide for Investors
ADR fees are periodic “pass‑through” or custodial charges that the depositary (agent) bank may deduct to cover administration and dividend processing for American Depositary Receipts (ADRs).
ACAT Transfer Fee: What You Need to Know
ACAT transfer fees are charges some brokerages impose when you move a brokerage account between firms using the Automated Customer Account Transfer Service (ACATS).
12b-1 Fee: What Investors Need to Know
A 12b-1 fee is a mutual fund charge paid from the fund’s assets to cover distribution and shareholder service costs; a fund may only take these fees if it has adopted a formal “12b-1 plan” authorizing them, per the SEC rule that created the allowance for these charges Investor.gov.
Treasury Buybacks: Why the 30-Year Yield Eased to 5.19%
The US Treasury doubled the maximum size of long-end liquidity buybacks to at least $4 billion per operation. Learn how the program differs from Federal Reserve bond buying.
Stripe Acquires OpenRouter: What the Reported $7B Deal Means
Stripe agreed to acquire OpenRouter, an AI gateway spanning more than 400 models and 80 providers. Official terms are undisclosed, while reports put the value above $7 billion.
Samsung Stock: What a Reported $72B Return Plan Could Mean
Reports say Samsung may consider a shareholder-return program above 100 trillion won. Samsung has not confirmed it, while SK Hynix separately approved a 40 trillion won buyback.
Google Stock: What Alphabet's $94B SpaceX Stake Means
Reuters estimates Alphabet's SpaceX stake at about $94 billion after a $900 million investment in 2015. A separate SEC filing also discloses a large Google compute agreement.
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