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Mark Cussen

Mark Cussen, CFP, CMFC has 17 years of experience in the financial industry and has worked as a stock broker, financial planner, income tax preparer, insurance agent and loan officer. He is now a full-time financial author when he is not on rotation doing financial planning for the military. He has written numerous articles for several financial websites such as Investopedia and Bankaholic, and is one of the featured authors for the Money and Personal Finance section of eHow. In his spare time, Mark enjoys surfing the net, cooking, movies and tv, church activities and playing ultimate frisbee with friends. He is also an avid KU basketball fan and model train enthusiast, and is now taking classes to learn how to trade stocks and derivatives effectively.
Use Cmps Home Mortgage Loan

How to Use a CMPS to Get a Better Home Mortgage Loan

Prospective homeowners today have many options when it comes to getting a home loan. Banks, credit unions, mortgage brokers, and many financial planners now offer a range of products that can be used to...
Become Certified Mortgage Planning Specialist

How to Become a Certified Mortgage Planning Specialist (CMPS)

The subprime mortgage crisis of 2008 has made it harder than ever for many loan officers to make a living. Although the elimination of the entire subprime market has been partially offset by the...
Restricted Stock Units Rsu Taxation

What Are Restricted Stocks & Restricted Stock Units (RSUs)

Restricted stock and restricted stock units (RSUs) have become a popular choice for many firms that wish to reward employees with a share of ownership in the company without the administrative complexity of traditional...
Incentive Stock Options Taxation

What Are Incentive Stock Options (ISOs) – Taxation, Pros & Cons

Most employee stock programs are designed to benefit either rank-and-file employees or all types of employees at a company. However, there is one type of stock option plan that is usually only available to executives...
Employee Stock Ownership 401k Plans

Employee Stock Ownership in 401(k) Plans – History, Pros & Cons

The offers that appear on this site are from companies from which receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). does...
Phantom Stock Plans

What Are Phantom Stock Plans and Stock Appreciation Rights (SARs)

Although there are many different types of stock-based compensation used by corporations in America and elsewhere, not all of these plans involve or require the use of stock itself. Some types of stock incentives...
Non Qualified Stock Option

What Is a Non-Qualified Stock Option (NQSO) – Types & Issuing Options

Companies frequently choose to reward their employees with shares of their stock instead of cash or other types of benefits, such as a 401k or other qualified retirement plans. This is done for many reasons: It...
Employee Stock Purchase Plan

What Is an Employee Stock Purchase Plan (ESPP) – Tax Rules

One of the most powerful benefits that any publicly traded company can offer its employees is the ability to purchase stock in itself. There are several ways this can be done, but perhaps the most...
employee stock ownership plan concept?

What Is an Employee Stock Ownership Plan (ESOP) – Definition, Pros & Cons

There are several different types of plans available for employers that choose to reward their employees with shares of the company. However, there is only one type of stock purchase plan considered to be...
Types Investment Funds Companies

Types of Investment Funds – Open-End & Closed-End Funds and UITs

Investment companies were created to invest in a range of professionally managed securities or investments with the intent of accomplishing specific financial goals, such as capital growth or income. They have grown to become one of the...
Employee Stock Options Explained

Employee Stock Options Explained – Plans, Taxation, Pros & Cons

There are three main forms of compensation that most corporations pay to their employees. The primary type of compensation, of course, is cash, which comes in the form of hourly wages, contract income, salaries, bonuses, matching retirement plan...
Brokered Market Linked Cds

What Are Brokered CDs & Market-Linked CDs – Pros & Cons

Conservative investors who are disappointed with the mediocre rates of interest offered on their local bank's CDs may want to explore the world of brokered certificates of deposit. These unique instruments resemble those that are sold...