8-10 Inversión ESG La inversión ESG implica invertir no solo en los aspectos fundamentales y técnicos de una acción, sino también en el impacto social y ambiental de la gestión empresarial. «ESG» significa «Ambiental, Social y de Gobierno Corporativo», una medida de la sostenibilidad y el impacto social de una empresa. ¿Qué es la inversión Read More…
Ingresos e impuestos – Evaluación de la unidad
Riesgo y toma de decisiones financieras El seguro es uno de esos gastos molestos del que quizás te quejes, pero que agradecerás cuando realmente necesites. Desafortunadamente, los accidentes ocurren a diario, y tener un seguro garantiza que no agoten tus ahorros. Existen numerosos tipos de seguros para proteger a las personas. Para simplificar, se dividen Read More…
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Evaluación de la unidad de toma de decisiones financieras
Inversión para principiantes El concepto de inversión es simple: invertir tus ahorros para que crezcan con el tiempo. Invertir aprovecha la idea de la capitalización para generar riqueza. Por ejemplo, si ahorras $50 al mes durante 10 años en efectivo, habrás ahorrado $6,000. Sin embargo, si inviertes esos $50 al mes y obtienes una rentabilidad Read More…
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Inversión para principiantes – Evaluación de la unidad
Glosario financiero 1040 The base form to file federal income taxes in the United States. It may be supplemented with additional forms for complex tax returns. 1099 A form provided to contractors to report their income in the United States. 10-K An annual report containing audited financial statements for publicly traded companies. This form is Read More…
Inversión Intermedia Una vez que conozca los fundamentos de la inversión (qué es una acción, cómo consultar cotizaciones y otros conceptos básicos), puede empezar a pensar en crear una cartera, lo que implica comprender qué significa diversificar y cómo desarrollar una estrategia de inversión. Esta unidad presentará los ETF y los fondos mutuos: paquetes de Read More…
Impacto del Gobierno en la Economía Como sociedad con una economía de mercado, el gobierno tiene tres amplios mandatos: A primera vista, solo una de estas medidas implica una intervención directa en la economía, pero las tres están interconectadas con la economía en su conjunto. Esto significa que toda acción gubernamental tendrá algún impacto en Read More…
Evaluación de la unidad de inversión intermedia
Centro de Carreras Todo estudiante debería considerar buscar trabajo antes de graduarse. El Centro de Carreras está aquí para ayudarte a encontrar trabajo. Encuentra ofertas de empleo, obtén certificaciones para mejorar tu currículum, despierta el interés de posibles empleadores y obtén información valiosa para convertirte en el mejor candidato posible.
Presupuesto y Estimación de Gastos Previstos Cuando te despiertas cada mañana para ir a la escuela, sabes que necesitas ducharte, vestirte, desayunar y correr a la parada del autobús. Si dedicas demasiado tiempo a cualquiera de estas tareas, podrías perder el autobús. En otras palabras, cada mañana tendrás que administrar tu tiempo o afrontar las Read More…
Encontrar acciones en sectores específicos Si ya ha empezado a invertir en algunas acciones, probablemente le interese diversificar su cartera entre varios sectores. Parece fácil, pero puede resultar complicado encontrar acciones que se ajusten a sus necesidades en una amplia gama de fuentes. Afortunadamente, nuestra herramienta de cotizaciones tiene toda la información necesaria para empezar. Read More…
Creando tu fondo de emergencia Una encuesta reciente de CareerBuilder a trabajadores estadounidenses reveló que un impresionante 78 % vive al día. De igual manera, otra encuesta reciente de Bankrate reveló que el 60 % de los estadounidenses no podría cubrir un gasto inesperado de $1,000. Esto significa que la mayoría de los estadounidenses no Read More…
Desarrollo Profesional Hay una gran diferencia entre conseguir un trabajo y comenzar una carrera, y va más allá del salario. El camino hacia el Desarrollo Profesional se basa en definir tus metas. Necesitas comprender qué acciones puedes tomar para abrirte camino hacia el futuro y construir un camino que te lleve desde donde estás hoy Read More…
Comparación de precios Ya has tomado decenas de decisiones de gasto a lo largo del juego, generalmente con pocas opciones. En la vida real, necesitarás dedicar mucho más tiempo y esfuerzo para asegurarte de conseguir la mejor oferta. Aquí tienes algunos consejos rápidos para empezar con buen pie. Consejo 1: Céntrate en las compras importantes Read More…
Contratos de Alquiler y Comunidades de Propietarios Al alquilar un apartamento o una casa, lo que puede hacer con su nuevo hogar está determinado por su Contrato de Arrendamiento. Este contrato especifica no solo el alquiler que paga, sino también muchas otras restricciones sobre qué puede hacer, cuándo y cómo puede su arrendador exigir su Read More…
Instituciones financieras A medida que envejece y comienza a vivir por su cuenta, llegará el momento en que necesite abrir su propia cuenta corriente, cuenta de corretaje y cuenta de jubilación. Cuando esté listo para abrir estas cuentas, debe comprender las diferencias entre las distintas instituciones financieras que las ofrecen para que pueda tomar la Read More…
Conceptos básicos del seguro Probablemente hayas notado que debes pagar el seguro de tu auto cada mes, que suele ser la mayor preocupación de un estudiante universitario. Sin embargo, a medida que se acerca la fecha de graduación, existen otros tipos de seguro que pueden ser importantes. Seguro de Auto Si conduces un auto, por Read More…
Testamentos Simples y Vitales Cuando una persona fallece, alguien recibe sus bienes. Desafortunadamente, determinar quiénes son los herederos puede ser bastante complicado. Si bien cada estado cuenta con leyes que rigen la distribución de los bienes de una persona en caso de fallecimiento, puede ser un proceso complejo para todos los involucrados y tomar meses, Read More…
Derechos y responsabilidades del empleador y del empleado Al empezar tu primer trabajo, lo primero que importa a todos es el salario (o tarifa por hora). ¿Cuánto dinero ganarás? Te sorprenderá saber que esta cifra es solo una pequeña parte del paquete de compensación total que ofrecen la mayoría de los empleadores. Empleados versus contratistas Read More…
Government spending makes up a whopping 20% of all spending in the American economy, including the salaries of all government employees, government contracts to private companies, and military spending. This is all paid for by taxes, meaning more than 1/3 of all economic activity filters through the public sector in some way.
This means government taxing and spending will have a huge impact on the rest of the economy, and so the way people and businesses are taxed, and how the money is spent, is centered on how it impacts the rest of the economy. The way the government organizes these taxes and spending to influence the economy is called the Fiscal Policy.
The “Time Value of Money” is one of the most important concepts in economics, investing, and business. For individuals, this determines how much you save and spend. For businesses, it determines how quickly they try to expand. For investors, it decides the mix of a portfolio.
In Economics, “Demand” is the relationship between prices and how much people want to buy a good or service.
In Economics, “Supply” means the relationship between prices and production. In general, the higher the market price of a good or service is, the more producers are willing to sell of it.
¿Cómo se crea el dinero? En Estados Unidos (y en muchos otros países), la pregunta “¿Cómo se crea el dinero?” surge con frecuencia. El Tesoro no se limita a imprimir efectivo constantemente; si lo hiciera, ¡la deuda pública sería cero! En Estados Unidos, el dinero se crea como una forma de deuda. Los bancos otorgan Read More…
Donaciones caritativas Reservar dinero para donaciones benéficas es fundamental en cualquier presupuesto o plan de gastos. Las organizaciones benéficas son esenciales para ayudar a las personas necesitadas y no pueden funcionar sin contribuciones regulares del público. Tipos de donaciones benéficas Las donaciones benéficas se presentan de diversas maneras, pero el concepto esencial es que se Read More…
Hojas de cálculo: uso de hojas de cálculo para comparar préstamos Finalmente tomaste la gran decisión: vas a comprar un auto. Investigaste y probaste el auto; encontraste tres autos que te encantan en tres concesionarios diferentes. Te encantan todos, pero al final, tu decisión final se basará en el precio. ¿Pero en qué precio te Read More…
Financial Life Simulation Feedback Now that you are almost to the end of the game, we’d like your feedback! Fill out the short survey below to continue.
Budgeting and estimating expected expenses Your guide to creating a budget plan Most people need some way of seeing where their money is going each month. Budgeting can help you feel more in control of your finances and make it easier to save money for your goals. The trick is to figure out a way Read More…
6 simple steps to jump-start your emergency fund Saving several months’ worth of living expenses for an emergency fund can be intimidating, especially when it feels like all of your available cash is already accounted for, each month. If your monthly living expenses came to $2,000, for example, it would take time to save $6,000, Read More…
Getting Out of Debt: Debt Snowball and Debt Avalanche Most financial literacy topics are dedicated to helping you stay out of debt and build wealth – but what do you do if you already find yourself deep in debt with no obvious way out? This is where accelerated debt repayment strategies can come into play Read More…
What are Cryptocurrencies? Cryptocurrencies come in many shapes and sizes. Some of them are designed to be like a form of “digital gold”, like Bitcoin. Others, like Ethereum are designed to be programable money. There are many different use cases for these “digital assets”. In general, cryptocurrencies are a form of digital money that is Read More…
Should You Rent or Should You Buy? For many people, owning a home is the epitome of the American dream. Home ownership has long been a hallmark of financial stability, and the single largest component of many people’s net worth. But over the last few decades, home ownership has seemed more and more out of Read More…
Can You Afford To Buy That House? Buying a home – a long-time cornerstone of personal finance. Buying a home is a huge milestone in anyone’s financial life, but the math behind the transaction can be daunting. In fact, for the average consumer, the purchase of their home is an entirely unique type of financial Read More…
Limits and Logs – Personalized Spending and Saving Much of personal finance is focused on long-term thinking: building your budget so you can save up enough money to live a lifestyle you want, and retire comfortably. But for each individual person, “a lifestyle you want” and “retire comfortably” can mean very different things. At the Read More…
What Will Your Investments Be Worth? How Today’s Investments Shape Tomorrow’s Wealth Future Value (FV) is a financial concept that predicts how much an investment today will grow by a specific point in the future, based on a certain interest rate. For individuals and companies alike, FV is instrumental in long-term planning, from saving for Read More…
How To Save Money on Your Next Trip Imagine you’re planning a dream vacation. Perhaps a senior trip after graduation. You might spend days researching flights, hotels, and car rentals to find the best deals. Now, think about how much time you spend planning your financial future—probably not as much, right? Yet, both require strategic Read More…
What Your Spending Data Says About You What Are Discretionary Expenses? Discretionary expenses are non-essential purchases— wants, things we buy for enjoyment, convenience, or fun. Examples include entertainment, dining out, or the latest tech gadgets. In contrast, needs are essential for survival: food, housing, utilities, and healthcare. Knowing the difference between needs and wants is Read More…
Net Present Value Calculator Use this calculator to find Net Present Value, based off expected annual growth, cash flow over a variable number of years, and separations of cash flow between investments and operations. This calculator will help you determine the attractiveness of a company by seeing how much it would be worth if you Read More…
Advanced Investment Return Calculator Find out the difference between Simple and Compound Interest. See how big an impact your tax rates and inflation have on your savings over time. If you have already used our Becoming A Millionaire Calculator, you can use your targeted Expected Investment Return numbers in this calculator to see how to Read More…
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Sector and Industry Explorer When looking to compare stocks, it can be tempting to just pick any two companies and try to see which one will perform better. But real investors know that you can only make apples-to-apples comparisons between companies that compete with each other – in the same “Sector” or “Industry”. This tool Read More…
Managing Your Apartment The first option you had in the game was to choose where to live: This does not just impact the bills you need to pay and your Quality of Life score – you can actually visit your apartment and kit it out with your favorite decor too! You can visit your Apartment Read More…
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Crack the Code to Becoming a Millionaire Want to be a millionaire? Everyone does, but do you know how much you need to save and what rate of return you need to get on your investments to reach that million level? This financial calculator helps you learn how your savings grows over time and how Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
Don’t Let Disability Derail Your Finances 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 Read More…
What Benefits to Look for in a Job Offer 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 Read More…
Is an Annuity Right for You? 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 Read More…
How to Research & Compare 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 Read More…
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 Read More…
Unit Introduction – Canadian Personal Finance 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.
How to Spot a Scam in Canada In the past, information about your bank transactions, credit card transactions, investment statements, and other financial paperwork came through paper documents. People were told to keep these documents safe or shred them when they were not longer needed. Today, the majority of our financial records can be accessed Read More…
Insurance Basics Everyone Should Know The idea behind insurance is that random bad thing can happen to just about anyone, and sometimes those random things are expensive to resolve. Car crashes, medical emergencies, and flooding can destroy your personal saving and investing accounts if they happen to you and you’re not prepared to deal with them. Read More…
Credit reports contains your credit history – both the good and the bad. If you watch late-night TV, you may have seen a few commercials offering free credit reports, so you might know a little about them. Most people don’t know how important a credit report can play in their financial lives.
On every payday, start by taking out money for savings and put it directly into your savings or investing account. Most banks have accounts that will let you do this though automatic transfers. This is one banking service that you should definitely take advantage of.
Once your savings is taken care of, use the remaining cash to pay your bills. Any money remaining can be used for fun and leisure. This method is a no excuses savings approach. No matter what else is happening in your life, you are paying yourself by contributing to your savings. This habit ensures that your savings and investments experience a steady growth rate.
A Guide to Retiring 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 (OAS) pension Read More…
The Basics of Filing Taxes in Canada 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 Read More…
How Bankruptcy Ruins Your Credit 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 Read More…
Get Practice Filing a Sample Tax Return To file income tax in the United States, you will need to use “Form 1040” – the standard income tax return worksheet from the IRS. Below is a sample 1040 to try to fill out on your own for practice. This is the scenario for this exercise – Read More…
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 Read More…
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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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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” Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…
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 Read More…