TessMore Finance Blog

The growth of e-commerce stores and online entrepreneurs has shifted the payment industry to online methods. Accepting credit cards and other online payment options helps businesses to stay competitive in today’s marketplace. Though these methods offer many benefits to businesses and customers, they have created new opportunities for cybercrime. Security is a key concern when handling business payments online. Business owners must be aware of their responsibility in offering safe online payment methods. A security breach could cost your business and ruin its reputation. Fortunately, there are several ways to secure online payments. This article will discuss the necessary security procedures when handling digital payments. 1.   PCI Compliance Payment Card Industry (PCI) compliance ensures that businesses process, transmit, and store credit card information in a secure environment. You must comply with the protocols laid down by the Payment Card Industry Data Security Standard (

Amortization is the method of reducing the value of an intangible asset like a bond. Therefore, the value of an amortized bond will be adjusted against its amortized interest at a given point. The fair market value of a bond is the price investors are willing to pay for a bond at any time. It is theoretically the present value of the future cash flows arising from the bond. With their key differences, let us discuss the amortization cost and fair value of a bond. What is the Fair Value of a Bond? The fair value of a bond is equal to the sum of the present value of its future interest payments and its book value at maturity. The book value or face value of a bond remains fixed. The interest payments on a bond can change as the market interest rates change. Most bonds are issued with a fixed interest rate. However, investors expect an adjusted bond yield when the market interest rate changes. It can be achieved by either adjusting the bond’s market price (premium or discount) or a

With online trading platforms getting popular among netizens, options are one of the most sought-after trading instruments. Although the concepts sound very alluring, they are heavy to understand for many. Even many people want to enter the world of trading but are not sure what options are and if it is profitable to indulge in options trading. Since the concept is becoming popular, it is essential to have a complete guide on everything you need to know about options trading and if it is profitable to start trading with options. Therefore, we have come up with a comprehensive article covering everything you need to know about options. We will discuss everything in this article, whether it is about the profitability of options, types of options, or popular strategies. So let’s get into it. What Are Options? The term options are used for a type of financial instrument. However, the essence is similar to that of the literal meanings of an option. We can define the options as, “Opti

The alternative hypothesis is a way to propose a contrasting view on a proposed theory by a researcher. It tries to prove the original statement provided by the null statement false. Let us discuss what an alternative hypothesis is, how it is different from the null hypothesis, its types, and some examples in our article. What is an Alternative Hypothesis? An alternative hypothesis is a contradictory theory to that taken by a Null Hypothesis about a specified research parameter. As the name suggests, the alternative hypothesis proposes an alternative theory and rejects the null hypothesis statement for a research parameter. The value of research can be greater than, not equal to, or less than the value of a null hypothesis result but cannot be equal to that. The null hypothesis proposes that there is no relation between the independent and dependent variables in a population parameter. If the null hypothesis is true, then these variables do not change mutually. If the null hypot

Probability refers to the chances of an event happening in statistical terms. The probability of two events means the chances of both events happening at the same time, one at a time, or one after the other. The rule of addition describes the relationship between the probability of two events when they can be mutually exclusive or mutually non-exclusive to each other. Addition Rule of Probabilities – Definition The addition rule of probabilities is used to compute the probability of two events happening at the same time when they are mutually exclusive or non-exclusive. It combines the probability of two mutually exclusive events happening and then the probability of either of the two events happening when they are mutually non-exclusive. Probability is a statistical term describing the likelihood of an event happening. In simple words, it is the percentage chance of an event happening out of 100%. When two events are mutually exclusive, then the probability of two happening at t

Active and passive portfolio management styles are two contrasting investing strategies. One involves active participation and management of the portfolio while the other requires fewer movements. Let us discuss what active and passive portfolio management styles are and what are the key differences between them. What is Active Portfolio Management? Active portfolio management refers to an investing style where the portfolio manager actively makes investing decisions. Active managers rely on analytics, technical indicators, personal judgments, and market forecasts to make these active investing decisions. This type of investing style requires buying, selling, and holding financial assets in a portfolio. Active decisions mean the portfolio consistently changes. Active portfolios also follow an index as a benchmark and mimic their portfolio assets. However, active investing aims to beat the index rate of return by changing the portfolio balance consistently. Active managers utiliz

Traders can choose between active and passive investing styles. Both contrasting trading methodologies offer unique benefits and risks to investors. Let us discuss what active and passive investing styles and strategies are and which is a better choice for investors. What is Active Investing? Active investing is an investing style where the investors are actively involved in buying, holding, and selling financial securities to make profits. The aim of active investing is to beat the market with quick decision-making. Investors buy and sell securities for a short time and seek higher returns than a benchmark or industry average return. Active investing strategies often rely on smaller profit margins per trade and include several transactions in a single trading day to maximize return on investment. How Does Active Investing Work? Active investment management requires special skills and knowledge of stock markets. Portfolio managers utilize the services of a team of analysts and w

With technological advancement, methods of investing have also revolutionized with digital avenues to invest in options, forex, stocks, etc. Although investment and trading have become easier and more accessible to more people, the risk of failure is also high. A petty wrong move and you can lose all of the money you invested. Many platforms for trading and investments have also evolved, making it easier for people without technical knowledge to make investments. But how to ensure that their money doesn’t go in vain? It is where the platform comes in that is selling and buying strategies based on different criteria and rules. These strategies can be replicated with real money to make returns on investments. But how do you ensure that these strategies won’t fail? You can ensure that stock and backtesting help you see if these strategies work for you. In this article, we are going to talk about the backtesting of Options Strategies and the best platforms you can capitalize on. So l

Financial mathematics (also known as mathematical finance, quantitative finance, computational finance, and financial engineering) is a field of applied mathematics that applies mathematical methods to financial problems. Probability, stochastic processes, statistics, and economic theory are common terms used in financial mathematics books, helping analysts gain detailed insights into business performance, the industrial market, profitability, and growth potential. However, quality investment in time, dedication, and effort is required to excel in this subject. You would want to grasp the best knowledge to outsmart the competition. So, in the following guide, we have covered the top 7 best financial mathematics books to help you work with numbers, understand the problems related to financial management, reduce mathematical errors, and increase profit. Key Takeaways: Other names for financial mathematics are mathematical finance, quantitative finance, computational finance, and fi

Project management is the application of specific information, expertise, tools, and procedures to yield something of worth for people. We need to go deeper into the definition of a project to comprehend project management. Projects are essentially short-term attempts to make a profit through distinctive goods, services, and procedures. Project Management Books provide different strategies and tactics based on your project’s requirements. Advanced project management systems, such as WP Project Manager, make it much easier to implement these ideas. Quality Project Management Books will show you how to create the most practical and feasible strategy for dealing with all types of projects and strategic objectives. Key Takeaways Here are our picks for the 10 best project management books: Strategic Project Management Made Simple: Practical Tools for Leaders and Teams The Getting Things Done Workbook: 10 Moves to Stress-Free Productivity Project Management For The Unofficial Projec