Investopedia contributors come from a range of backgrounds, and over 25 years there have been thousands of expert writers and editors who have contributed. In discounted cash flow (DCF) analysis, ...

Andy Smith is a Certified Financial Planner (CFP®), licensed realtor and educator with over 35 years of diverse financial management experience. He is an expert on personal finance, corporate finance ...

I had a front row seat at Microsoft to watch the first two application model transitions. Early mainframe and minicomputer systems were monolithic, with data storage, application code, and terminal ...