Money
4 min
CrispFacts / Subject index
Money
Understand the definitions and arithmetic behind financial information. Work through the assumptions before comparing the numbers.
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Money6 min
A Positive Dollar Return Can Still Lose Purchasing Power
Calculate nominal and inflation-adjusted returns, distinguish the exact ratio from subtraction, and keep the time period, price index, fees, and taxes clear. -
Money7 min
Your Tax Bracket Is Not an Average Rate on Every Dollar
Use a fictional bracket system to distinguish marginal rates, average tax rates, taxable income, credits, withholding, and the effect of an extra dollar. -
Money6 min
Where a Loan Payment Goes: Principal, Interest, and Other Amounts
Trace a simplified amortizing payment and distinguish the loan balance from the total amount paid each month. -
Money10 min
Profit, Cash Flow, and a Balance Sheet Tell Different Parts of the Story
Follow a fictional business through a fully reconciled example showing why revenue, profit, operating cash flow, and the cash balance are different figures. -
Money4 min
The Closing Date and Payment Due Date Do Different Jobs
Read a credit-card statement as a dated snapshot, then separate new activity, minimum payments, and grace-period conditions. -
Money3 min
From 4% to 5%: One Percentage Point, but a 25% Increase
Separate absolute changes in rates from relative changes, and see why the denominator matters in comparisons. -
Money5 min
An Annual Cost Divided by Twelve Is an Average, Not a Due Date
Separate monthly equivalents from actual cash timing, with an example showing why an apparently balanced budget can still run short. -
Money3 min
A $5 Fee and a 2% Fee Trade Places as the Amount Changes
Find the break-even amount for fee structures and include minimums, caps, and frequency in the comparison. -
Money5 min
A Tax Credit and a Deduction Reduce Different Numbers
Understand the arithmetic difference between reducing taxable income and reducing tax, with hypothetical examples of refundable and nonrefundable credits. -
Money9 min
Price Change Is Only One Part of Investment Return
Work through income, reinvestment, deposits, fees, annualization, and losses to see what an investment-return percentage includes and what it leaves out. -
Money6 min
APY Includes Compounding, but It Does Not Describe Every Account Cost
Calculate a simple yield example, separate balance conditions from fees, and understand why an annualized rate is not a dollar guarantee.