Available Cryptos Our platform supports virtual trading of 100 different cryptocurrencies trading on the Coinbase exchange. This list updates every semester. The list of currently-available cryptocurrencies is below: Symbol – Name

This lesson was made possible thanks to Pacific Life Insurance Company What can you do to make sure you are prepared when you are ready to retire?  Here are some programs to take advantage of that will help you save for that day. What are the different sources of retirement income and how can you maximize them? There are also different sources of income that … Continue reading Preparing For Retirement (Fixed Date) »

This lesson was made possible thanks to Pacific Life Insurance Company If you look up an “Annuity” in the dictionary, it means “fixed payments”. But when it comes to personal finance and investing, “Annuity” refers to a specific type of investment product that is a common part of retirement portfolios. This lesson is about annuities as an investment product, and why they are used by … Continue reading Annuities (Fixed Date) »

Workplace Benefits This lesson was made possible thanks to Pacific Life Insurance Company When you start looking for a job, one of the first questions you will have when browsing job listings is “how much does this pay”? Starting salary or hourly pay is, of course, an important factor when considering a position, but is very far from the full story. This lesson will cover … Continue reading Workplace Benefits (Fixed Date) »

This lesson was made possible thanks to Pacific Life Insurance Company What is Disability Insurance? Disability Insurance is insurance that provides benefits to the insured person if they experience an injury or illness that prevents them from working for an extended period of time. It typically pays 50% – 70% of your pre-disability wage, or what you were making before you stopped working. Your expenses … Continue reading Disability Insurance (Fixed Date) »

Term Life Insurance – What You Need To Know This lesson was made possible thanks to Pacific Life Insurance Company Whole, Endowment, Term – there are many types of Life Insurance on the market. But most financial advisors will give you the same mantra – “Buy Term and Invest The Rest”. But what does that really mean? Term Life Insurance Term Life Insurance is a … Continue reading Term Life Insurance (Fixed Date) »

Disability Insurance This lesson was made possible thanks to Pacific Life Insurance Company Most people overestimate the cost and underestimate the need for disability insurance. Many people live paycheck to paycheck and lack any significant real savings. They don’t have robust rainy day or emergency funds to cover the cost of an unexpected expense. In fact, loss of income and medical expenses are two top … Continue reading Disability Insurance »

Workplace Benefits This lesson was made possible thanks to Pacific Life Insurance Company When you start looking for a job, one of the first questions you will have when browsing job listings is “how much does this pay”? Starting salary or hourly pay is, of course, an important factor when considering a position, but is very far from the full story. This lesson will cover … Continue reading Workplace Benefits »

What Are Annuities? This lesson was made possible thanks to Pacific Life Insurance Company If you look up “Annuity” in the dictionary, it says “a fixed sum of money paid to someone each year, typically for life.” But when it comes to personal finance and investing, “annuity” refers to a financial product that can offer protected lifetime income and even potentially grow your money. An … Continue reading What Are Annuities »

Basic Research and Comparing Stocks When you first set out to build a portfolio, it can be overwhelming to choose your first stock. In this activity, we will walk through conducting some basic research on a company you find interesting, and learn how to compare it against another company in the same sector to determine which would be a better choice to add to your … Continue reading Basic Research and Comparing Stocks – FT »

Basic Research and Comparing Stocks When you first set out to build a portfolio, it can be overwhelming to choose your first stock. In this activity, we will walk through conducting some basic research on a company you find interesting, and learn how to compare it against another company in the same sector to determine which would be a better choice to add to your … Continue reading Basic Research and Comparing Stocks – ST »

This unit specifically covers financial literacy topics in Canada. While most lessons cover all countries equally well, some specifics (like filing taxes and retirement planning) refer to specific laws or regulations in Canada, differing from our US material.

Planning For Retirement in Canada Embarking on a journey towards retirement in Canada requires careful consideration and proactive financial strategies. In this guide, we will explore various elements of retirement planning in Canada, offering insights into pension programs, savings options, and employer-assisted plans. Old Age Security Pension (OAS) The “Old Age Security Pension” is a baseline entitlement program in Canada, created to ensure retirees have … Continue reading Planning For Retirement in Canada »

Income Tax Filing and the Canadian Tax Return What is income tax?  Income tax is the tax you pay on your income, typically deducted directly from your paycheque. Every individual who earns income in Canada is obligated to pay income tax. Income encompasses more than just employment wages and salaries. If you receive rental income from properties you own, investment income, interest on savings accounts … Continue reading Income Tax Filing and the Canadian Tax Return »

Bankruptcy in Canada If you find yourself significantly behind on your bills and all other attempts to manage debt have proven futile, the last resort is declaring bankruptcy. What is Bankruptcy? Bankruptcy is a legally mandated process of forced debt settlement. When an individual declares bankruptcy in Canada, the court convenes all unsecured creditors to assess the debts owed. The court scrutinizes the individual’s assets … Continue reading Bankruptcy in Canada »

Available Cryptocurrencies Our platform supports trading 100 different cryptocurrencies. Our available cryptos are updated typically twice per year based on the top 100 cryptos by market cap. This is the list of our current offerings (updated November 2023). Name Symbol Name Symbol Bitcoin BTC UNUS SED LEO LEO Ethereum ETH Cosmos ATOM Tether USDt USDT OKB OKB BNB BNB TrueUSD TUSD XRP XRP Stellar XLM … Continue reading Available Cryptocurrencies »

Fall 2023FinancialLiteracyChallenge National budgeting and investing contest for schools! Budget Game Stock Game Lessons Financial Literacy Challenge Registration is now open! Challenge Dates October 1 – November 17, 2023 4 Interactive & Fun Features Personal Budget Game Stock Game Built-in Lessons & Pop Quizzes Student & Teacher Prizes Student Prizes 10 10 students from each contest win a $50 Amazon Gift Card The Top 10 … Continue reading Fall 2023 FinLit Challenge #2 »

Fall 2023FinancialLiteracyChallenge! cache Nation-Wide investing and budgeting contest for schools Budget Game Stock Game Lessons Financial Literacy Challenge Registration is now open! Challenge Dates October 1 – November 17, 2023 4 Interactive & Fun Features Personal Budget Game Stock Game Built-in Lessons & Pop Quizzes Student & Teacher Prizes Student Prizes 10 10 students from each contest win a $50 Amazon Gift Card The Top … Continue reading Fall 2023 FinLit Challenge »

With more Americans at home and online than ever before, people are increasingly using technology to work, shop and connect socially. However, this new digital reality also provides fraudsters with fresh opportunities to target you. Scams are on the rise, as sophisticated criminals try to capitalize on our changed circumstances. Fortunately, you can protect your financial and personal information by learning about the scams and … Continue reading BofA – UNI- 5 new scams to watch out for now »

With more Americans at home and online than ever before, people are increasingly using technology to work, shop and connect socially. However, this new digital reality also provides fraudsters with fresh opportunities to target you. Scams are on the rise, as sophisticated criminals try to capitalize on our changed circumstances. Fortunately, you can protect your financial and personal information by learning about the scams and … Continue reading BofA – Non-Profit – 5 new scams to watch out for now »

With more Americans at home and online than ever before, people are increasingly using technology to work, shop and connect socially. However, this new digital reality also provides fraudsters with fresh opportunities to target you. Scams are on the rise, as sophisticated criminals try to capitalize on our changed circumstances. Fortunately, you can protect your financial and personal information by learning about the scams and … Continue reading BofA – HS – 5 new scams to watch out for now »

As a student, you have many responsibilities such as studying for exams, holding down a part-time job and handling at least some of your own finances. While you’re doing all this, con artists may also be trying to separate you from your cash. Scammers know students often have hectic schedules and may be new to money management, making you an ideal target. Read this lesson … Continue reading BofA – Non-Profit – Students: How to spot 6 common scams »

As a student, you have many responsibilities such as studying for exams, holding down a part-time job and handling at least some of your own finances. While you’re doing all this, con artists may also be trying to separate you from your cash. Scammers know students often have hectic schedules and may be new to money management, making you an ideal target. Read this lesson … Continue reading BofA – HS – Students: How to spot 6 common scams »

As a student, you have many responsibilities such as studying for exams, holding down a part-time job and handling at least some of your own finances. While you’re doing all this, con artists may also be trying to separate you from your cash. Scammers know students often have hectic schedules and may be new to money management, making you an ideal target. Read this lesson … Continue reading BofA – UNI – Students: How to spot 6 common scams »

Career Center Every student should be thinking about getting a job before they graduate. The Career Center is here to help you find a job. Find job postings, get certifications to help build your resume, build interest from potential employers, and get valuable information on making yourself the best candidate you can be.

Complete the following short vocabulary quiz. Click ‘CONTINUE TO EXAM’ to start the exam for this chapter. Continue To Exam

Complete the following short vocabulary quiz. Click ‘CONTINUE TO EXAM’ to start the exam for this chapter. Continue To Exam

Complete the following short vocabulary quiz. Click ‘CONTINUE TO EXAM’ to start the exam for this chapter. Continue To Exam

3-09 Resources Ok new investor, you should be ready to begin. You can now leave the bleachers, put on a uniform, cross the white lines, and play. Stay focused, positive, and realistic. You might not make the Majors right away, but you can enter the investment world armed with solid knowledge, upon which you can expand by practice and repetition at a virtual trading simulation. … Continue reading Inv101 – WSS/HTMW – 3-09 Resources »

3-08 Set Goals and Targets You should have a “game plan” for your investing life. Just as you plan your workday, vacation, college financing, golf matches, and other areas of your personal and professional life, you need a plan, objective, and goal for your investment activities. Spend some quality time with yourself, thinking about what you really want to accomplish. Stating that you simply want … Continue reading Inv101 – WSS/HTMW – 3-08 Set Goals and Targets »

3-07 How to Record Gains and Losses Unfortunately, when it comes time to file your tax return, the IRS wants to know how much money you made or lost in your brokerage account. Your brokerage firm will even report to the IRS your total proceeds from all of your sales of stocks, but they don’t report your gains and losses. The reason they don’t report … Continue reading Inv101 – WSS/HTMW – 3-07 How to Record Gains and Losses »

3-06 Short Selling So far, we’ve talked about how to make your first trades – buying a stock you think will get more valuable. But what about if you are SURE a stock is about to tank? Wouldn’t it be great if you could make profit in both directions? With short selling, you can! What Is Short Selling? “Selling Short” is a way for an … Continue reading Inv101 – WSS/HTMW – 3-06 Short Selling »

3-05 Buying on Margin When you are opening a real brokerage, you will be asked if you want to open a Margin Account. Buying on margin means that you purchase securities using some of your own cash and you take a loan from your broker to complete the purchase. The collateral for the loan is the stocks or cash you already own. The difference between … Continue reading Inv101 – WSS/HTMW – 3-05 Buying on Margin »

3-04 Order Terms Now that you know some of the basic order terms, you can use Limit, Stop, and Trailing Stop orders to start building your portfolio, keeping an eye out for good deals and protecting yourself against loss. But when you go to actually place your order, there is one more option that pops up – “Duration”. “Duration” is also called the “Order Term” … Continue reading Inv101 – WSS/HTMW – 3-04 Order Terms »

3-03 Types of Orders-Market, Limit, Stop Once you have the ticker symbol for the company you wish to trade, you are ready to place your first order. Go to your virtual trading account and you’ll see several options for order type—market, limit, stop, and trailing stop. You have already found the symbol to trade “LUV” and you can enter any quantity of shares to buy. … Continue reading Inv101 – WSS/HTMW – 3-03 Types of Orders-Market, Limit, Stop »

3-02 Understanding Stock Quotes A stock quote gives essential information about a particular stock at a point in time. The quote normally includes information such as the name of the company, the ticker symbol, the price, the day’s high and low prices, and the trading volume. Details Usually when you get a stock quote, you see lots of other information about that company and that … Continue reading Inv101 – WSS/HTMW – 3-02 Understanding Stock Quotes »

3-01 How to Look Up a “Ticker Symbol” The first thing you must understand about trading stocks is that the exchanges have assigned each stock a unique “ticker symbol” for identification purposes. When researching stocks, getting quotes, and placing trades, you usually have to know the ticker symbol. Stock ticker symbols are usually 1 to 5 letters long. (Occasionally they contain a “.” or a … Continue reading Inv101 – WSS/HTMW – 3-01 How to Look Up a “Ticker Symbol” »

3-00 Chapter 3: Making Your First Trade Now that we covered the basics of different types of investments and why prices move, it is time to start “Learn by doing” and make your first trades. Best of all, you have your practice brokerage account to use, so you can try out your first investing strategies on real stocks with real prices, but with virtual money! … Continue reading Inv101 – WSS/HTMW -3-00 Chapter 3: Making Your First Trade »

2-11 Resources Don’t forget to check out a research platform like Zacks so you can compare stocks on your own. Zacks Rank uses a proprietary ranking system to evaluate stocks on a scale from 1 to 5; their #1 Strong Buy stocks have beaten the market in 26 of the 31 years they have been used. Now you should be a bit more familiar with … Continue reading Inv101 – WSS/HTMW – 2-11 Resources »

2-10 Buying Individual Stocks Versus Investing in Mutual Funds As a newer investor, you should also be aware that you can save some research time by investing in mutual funds instead of individual stocks. Mutual funds contain a mix and diversity of stocks in which you will spread out one investment into many small blocks of shares. Mutual funds and ETFs (exchange traded funds) have … Continue reading Inv101 – WSS/HTMW – 2-10 Buying Individual Stocks Versus Investing in Mutual Funds »

2-09 Why Stocks Are a Good Choice For Investing In this course, we generally advocate that stock market investing is an excellent choice to receive consistently high Return on Investment (ROI). This does not mean we think everyone should be “stock picking” – but that stocks, mutual funds, and ETFs generally provide the best return in the long run. Earlier in Chapter 1, we showed … Continue reading Inv101 – WSS/HTMW – 2-09 Why Stocks Are a Good Choice to Earn High Returns »

2-08 Brokers and How to Choose the Right Ones When you are ready to start buying your own stock, you won’t withdraw some cash from the ATM, head to New York, and look for someone with paper shares to sell. Instead, you would open an account with a stock brokerage, where you will make your trades. What is a Brokerage? Brokerages exist to allow individuals … Continue reading Inv101 – WSS/HTMW -2-08 Brokers and How to Choose the Right Ones »

2-07 The Danger of Trying to Time the Market The mere perception that a market is becoming Bearish is not a predictor of disaster. Fortunes have been made in A prolonged period of pessimism and falling stock prices that seems to feed on itself and generates even more pessimism and even lower stock prices. Bear Markets. The trick is to know when one is coming … Continue reading Inv101 – WSS/HTMW – 2-07 The Danger of Trying to Time the Market »

Business and economic popular news will often refer to “Bull” or “Bear” markets. You probably already have some idea what this means – “Bull” markets tend to be going up, while “Bear” markets tend to be going down. What is a Bull Market? A “Bull Market” means that investors are optimistic that stock prices are generally increasing, and that the market as a whole is … Continue reading Inv101 – WSS/HTMW – 2-06 Bull vs. Bear Markets »

2-05 Market Timing and Moving Now that you know what the stock market is and what role the Stock exchanges are simply organizations that allow people the ability to buy and sell stocks. Stock Exchange plays, let’s take a step back and look at how stock prices and the economy move. As you might expect, timing is extremely important in investing because you must learn … Continue reading Inv101 – WSS/HTMW – 2-05 Market Timing and Moving »

2-04 Public versus Private Companies & IPOs versus Secondary Market Securities Now that you know what an exchange is, it’s necessary to make a very important distinction between what shares trade on exchanges and what shares don’t. Most companies are private companies and don’t trade on exchanges. The barber shop and the florist on the corner, the guy that cuts your grass, and the plumber … Continue reading Inv101 – WSS/HTMW – 2-04 Public versus Private Companies & IPOs versus Secondary Market Securities »

2-03 Other Stock Exchanges In addition to the New York Stock Exchange, there is also the American Stock Exchange (AMEX) and NASDAQ. In the past, the NASDAQ was for smaller companies that were just getting started, and it was prestigious for them to move up to the NYSE or AMEX. These smaller companies included a few you might have heard of, like Apple Computer (AAPL),Intel … Continue reading Inv101 – WSS/HTMW – 2-03 Other Stock Exchanges »

2-02 A History Lesson – Wall Street Wall Street” is a street in New York City, near the southern end of Manhattan Island. It is the home of the New York Stock Exchange, and the biggest center of stock trading and finance in the world. History The first European colony in what we now know as New York was actually dutch – the city’s original … Continue reading Inv101 – WSS/HTMW – 2-02 A History Lesson – Wall Street »

2-01 What Are Stock Exchanges? In the last lesson, we used a simple example of 10 buyers and 10 sellers who got together in the same room to make trades of one company’s stock. In the real world, there are hundreds of millions of people and companies trading trillions of shares of millions of company’s stocks – getting everyone in the same room would be … Continue reading Inv101 – WSS/HTMW – 2-01 What Are Stock Exchanges? »

2-00 Chapter 2: How the Stock Market Works and Why It Moves Now that we are introduced to some of the basic types of investments, we can look into how the stock market actually works, and why prices move. To understand the basics of the stock market, we need a quick refresher on some core economics – the laws of Supply and Demand. Supply and … Continue reading Inv101 – WSS/HTMW – 2-00 Chapter 2 »

1-13 Resources Congratulations, you are through the first chapter! This is a glossary review and some extra resources for more information before we continue on to the chapter exam. Glossary Bank accounts – a depository account at a bank that acts as a secure way to store your money and withdraw it later. Checking Accounts – a type of bank account you would use for … Continue reading Inv101 – WSS/HTMW – 1-13 Resources »

1-12 Recent Performance of Investments Now that we have looked at several different types of investments, we can compare how they have performed over time. In this case, we will pretend we invested $10,000 in Stocks, Gold, Commercial Real Estate, Residential Real Estate, and a Savings Account in January of 2010, and pulled our money out at the end of May, 2021. This is how … Continue reading Inv101 – WSS/HTMW – 1-12 Recent Performance of Investments »

1-11 Real Estate If you are a homeowner, your home is probably where you keep most of your wealth. Everyone hopes to be able to sell their home for more than they paid for it – which means that every homeowner is a real estate investor! “Real Estate Investing” means making money based on buildings or properties. There are four main ways to be a … Continue reading Inv101 – WSS/HTMW – 1-11 Real Estate »

1-10 Foreign Currency and Foreign Stocks You just got some insider information – Nintendo is about to announce a new Zelda game, coming out on their new console. Gamers are getting pumped up, this is a sure-fire hit. As a savvy investor, you think now might be a good time to invest in Nintendo! But wait, Nintendo is not listed on major US exchanges – … Continue reading Inv101 – WSS/HTMW -1-10 Foreign Currency and Foreign Stocks »

1-09 Gold and Other Precious Metals When we covered commodities, we mentioned iron and copper, but not Gold and Silver. That is because Precious Metals operate by different rules than other commodities – and are very different to investors. This is because unlike iron or copper, which is just used as inputs for other industry powering the economy, Gold, Silver, Platinum and other precious metals … Continue reading Inv101 – WSS/HTMW – 1-09 Gold and Other Precious Metals »

1-08 Commodities So far, we have talked about what the average “retail investor” thinks about when investing – bank accounts, stocks, bonds, and mutual funds. But the world is a big place, and there are bigger ways to invest! Besides the stock market, the biggest investment markets in the world are for commodities – raw materials that form the basis for the economy. What Are … Continue reading Inv101 – WSS/HTMW – 1-08 Commodities »

1-07 Bonds Unlike Stocks are “equity investments” which means that individuals that own stock shares of a company actually own part of that company. stocks, which are equity instruments, A debt obligation of a company, the U.S. Treasury Department, or a city where the borrower receives funds (usually in increments of $1,000), makes semi-annual interest payments based on the coupon rate, and eventually repays the … Continue reading Inv101 – WSS/HTMW – 1-07 Bonds »

01-06 ETFs (Exchange-Traded Funds) ETFs are a cross between mutual funds and stocks. ETFs are simply a portfolio of stocks or [ts]bonds[tm]A debt obligation of a company, the U.S. Treasury Department, or a city where the borrower receives funds (usually in increments of $1,000), makes semi-annual interest payments based on the coupon rate, and eventually repays the borrowed amount ($1,000) to the lender at the … Continue reading Inv101 – WSS/HTMW -1-06 ETFs (Exchange-Traded Funds) »

1-05 Mutual Funds A mutual fund is a type of investment where a money manager takes your cash and invests it as he sees fit, usually following some rough guidelines. For example, the Fidelity Group has a fund that specializes in finding high dividend paying [ts]stocks[tm]Stocks are “equity investments”, which means that individuals that own stock shares of a company actually own part of that … Continue reading Inv101 – WSS/HTMW -1-05 Mutual Funds »

1-04 Stocks Stocks are “equity investments” which means that when you own shares of a company you own part of that company. For example, if you own 1,000 shares of Apple Computer stock and Apple has 1,000,000 shares that are “issued and outstanding,” then you own 0.1% of the company. If Apple were then to be sold to another company for $50,000,000, then each share … Continue reading Inv101 – WSS/HTMW – 1-04 Stocks »

1-03 Certificates of Deposit (CDs) With a [ts]CD[tm]An investment choice at most banks where you agree to deposit a specific amount of money for a fixed period of time (this is called the maturity). By agreeing to keep your money at the bank for a certain length of time, the bank usually pays you an interest rate higher than savings and Money Market accounts.[te], you … Continue reading Inv101 – WSS/HTMW – 1-03 Certificates of Deposit (CDs) »

01-02 Basic Bank Accounts Bank accounts are issued by banks, credit unions, and savings & loan institutions as a secure way to store your money and make it easily accessible later (without carrying around all your cash everywhere you go). If you are sitting with your first $500, you usually have two options for accounts: a Savings Account, or a Checking Account. Before we get … Continue reading Inv101 – WSS/HTMW – 01-02 Basic Bank Accounts »

1-00 Chapter 1: Introduction To Investing Whether you have $1,000 or $1,000,000 in savings, education is the key to empowering yourself to take charge of your financial future. In this course you will learn about the different broad investment choices you have available. Specifically, you will learn how the stock market works, how to evaluate stocks, bonds and options and how to build and manage … Continue reading Inv101 – WSS/HTMW – 1-00 Chapter 1 »

1-01 Understanding Investment Choices The first time Tiger Woods grabbed a golf club he couldn’t hit the ball perfectly straight 300 yards and the first time Michael Jordan touched a basketball he couldn’t dunk it, so don’t think that you will be able to earn a 100% return in the first year. Before Tiger could hit a golf ball 300 yards, he had to learn … Continue reading Inv101 – WSS/HTMW – 1-01 Understanding Investment Choices »

Buying a car? Here are the key terms to know about auto loans Buying a car can leave you feeling like auto dealers are speaking a whole new language when they talk about things like a down payment, depreciation, direct lending or dealer financing. Follow this map to understand these terms and learn how financing a car can impact your budget. Check out this infographic, … Continue reading BOA – Buying a Car Non-Profit »

Buying a car? Here are the key terms to know about auto loans Buying a car can leave you feeling like auto dealers are speaking a whole new language when they talk about things like a down payment, depreciation, direct lending or dealer financing. Follow this map to understand these terms and learn how financing a car can impact your budget. Check out this infographic, … Continue reading BOA – Buying a Car College »

Buying a car? Here are the key terms to know about auto loans Buying a car can leave you feeling like auto dealers are speaking a whole new language when they talk about things like a down payment, depreciation, direct lending or dealer financing. Follow this map to understand these terms and learn how financing a car can impact your budget. Check out this infographic, … Continue reading BOA – Buying a Car HS »

How to balance your family’s savings priorities Saving for one is hard enough, but family savings multiply the challenge. You have short-term desires versus long-term goals, plus unexpected expenses that can pop up regularly. Read this short lesson, then return here to answer a quiz question to continue!

How to balance your family’s savings priorities Saving for one is hard enough, but family savings multiply the challenge. You have short-term desires versus long-term goals, plus unexpected expenses that can pop up regularly. Read this short lesson, then return here to answer a quiz question to continue!

How to balance your family’s savings priorities Saving for one is hard enough, but family savings multiply the challenge. You have short-term desires versus long-term goals, plus unexpected expenses that can pop up regularly. Read this short lesson, then return here to answer a quiz question to continue!

What is a Dividend? Pop Quiz!

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Financial Literacy Post-Test Before the game finishes – there is one last quiz to take: the Financial Literacy Post-Test. This will help show what you’ve learned over the course of the game.

Lessons Complete! Congratulations, you have finished all the lessons in the Financial Life Simulation! We hope you have enjoyed using the Financial Life Simulation Tool. If you any have questions about a particular bank product or service, be sure to do your research and make informed choices. Bank of America and Northeastern University are not recommending or endorsing any specific product or service to the users … Continue reading BOA – Lessons Complete! Non-Profit »

Documents you need to do your taxes Taxpayers spend 12 hours on average preparing their tax returns, according to IRS estimates. Yet, you can save time, cut back on stress and have an overall easier experience by gathering the documents you’ll need before it’s time to dive in. Check out this infographic, then return here to answer a quiz question to continue!

This way to a home of your own If it’s your first time buying a home, this guide shows the steps for making one of the most important purchases of your life Read this short lesson, then return here to answer a quiz question to continue!

Buying a home within your comfort zone Before you go hunting for a home, it’s important to calculate a comfortable mortgage payment Read this short lesson, then return here to answer a quiz question to continue!

9 questions to ask mortgage lenders Knowing what to ask could save you money in the long run. Read this short lesson and return here for a quiz question to continue!

The pros and cons of buying vs. renting a home Wondering if you should rent or buy? Understanding all the costs that go into renting or buying a home will set you up to make the right decisions for you. Watch this video, then return here to answer a quiz question to continue!

Delaying student loan repayment with deferment or forbearance If you’re in a situation where you simply don’t have the income to repay a loan, you may be able to put off the repayments until things change. Watch this video to learn more, then return here to answer a quiz question to continue!

Shopping for a car? 3 questions that need answers When you need a new car, the decisions you make on three important issues will help determine your monthly payments and how much you pay for the car overall.  Read this short lesson, then return here to answer a quiz question to continue! Tip: Check Question 2 for a breakdown!

Comparing the cost of new and used cars Choosing between buying a new or used car may not be as simple as it seems. Find out what matters beyond simple sticker price. Watch this video, then return here for a quiz question to continue!

New job? Make the most of your employee benefits HS New jobs bring new names, faces and responsibilities. In the rush of acclimating to the work environment, you might overlook details like direct deposit forms, insurance coverage and retirement plans. But it’s important to make the most of all your new job’s benefits—from Flexible Spending Accounts to tuition reimbursement programs to 401(k) plans. To help … Continue reading BOA – Employee Benefits Non-Profit »

What is a balance transfer and how does it work? A balance transfer moves a balance from a credit card or loan to another credit card. Transferring balances with a higher annual percentage rate (APR) to a card with a lower APR can save you money on the interest you’ll pay. Read this short lesson, then return here to answer a quiz question to continue!

How many credit cards should you have? These days, having multiple credit cards is common—but is it a good idea?  Read this short lesson, then return here to answer a quiz question to continue!

What is APR? You may have seen the term APR, or annual percentage rate, used in reference to everything from mortgages and auto loans to credit cards. Understanding how banks calculate APRs and how they work can help you make more informed credit card decisions. Read this short lesson, then return here to answer a quiz question to continue!