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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Understanding Adjustable-Rate Mortgages: Pros, Cons, and Key Features

An adjustable-rate mortgage (ARM) is a type of home loan with an interest rate that changes periodically based on market conditions. It star...

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Understanding Adjusting Entries: A Small-Business Guide

Adjusting entries are essential bookkeeping practices that help ensure your financial statements accurately reflect your income and expenses...

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Understanding Adverse Credit and PLUS Loan Approval

When applying for federal direct PLUS loans, parents and graduate students must meet certain credit standards set by the Department of Educa...

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Understanding Annual Business Revenue for Credit Card Applications

When applying for a business credit card, reporting your annual business revenue accurately is important — but don’t worry if that number is...

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Understanding ARMs: Rates, Risks, and Homebuying Strategies

An adjustable-rate mortgage (ARM) is a type of home loan with an interest rate that can change over time. It typically starts with a lower f...

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Understanding Banks: Accounts, Loans and Everyday Services

Banks are licensed financial institutions that help you safely store your money, make everyday payments, and access different types of credi...

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Understanding Basic Accounting Principles for Small Businesses

Accounting principles are foundational rules that guide how businesses record, report, and interpret their financial activities. Understandi...

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Understanding Business Entity Structures for Your Company

A business entity is the legal structure under which you operate your business, and choosing the right one affects your taxes, liability, an...

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Understanding Business Models: Examples and Tips

A business model is the foundation of any company’s success. It outlines how a business will generate revenue, market its offerings, manage...

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