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 Read More…
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!
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 Read More…
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 Read More…
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, Read More…
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, Read More…
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!
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 Read More…
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 Read More…
4 strategies to pay off credit card debt faster If you carry credit card balances month to month, paying off that debt fast might be easier than you think. The key is developing a good plan and sticking to it. These four strategies can help you decide which course to take to quickly pay off Read More…
4 strategies to pay off credit card debt faster If you carry credit card balances month to month, paying off that debt fast might be easier than you think. The key is developing a good plan and sticking to it. These four strategies can help you decide which course to take to quickly pay off Read More…
What is a credit score and how is it calculated? Your credit score affects many areas of your financial life, from getting approved for a credit card to the interest rate you’ll pay on your mortgage. It’s important to understand the number and how it is calculated so you can set yourself up for financial Read More…
What is a credit score and how is it calculated? Your credit score affects many areas of your financial life, from getting approved for a credit card to the interest rate you’ll pay on your mortgage. It’s important to understand the number and how it is calculated so you can set yourself up for financial Read More…
Building credit and keeping yours healthy Building good credit takes work, but it can be done. Find out five things you can do to build a healthy credit score while avoiding the pitfalls. Watch this video then return here for a quiz question to continue!
Building credit and keeping yours healthy Building good credit takes work, but it can be done. Find out five things you can do to build a healthy credit score while avoiding the pitfalls. Watch this video then return here for a quiz question to continue!
How to build credit from scratch With some solid first steps and a focus on paying your bills on time, you’ll be on your way to building a solid credit score. Watch this video and return here to answer a quiz question to continue!
How to build credit from scratch With some solid first steps and a focus on paying your bills on time, you’ll be on your way to building a solid credit score. Watch this video and 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. Learn how to balance a family’s savings goals, and come back 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. Learn how to balance a family’s savings goals, and come back to answer a quiz question to continue!
Debunking the myths: 7 facts about credit cards Does paying less than the minimum count as a missed payment? Should you avoid having a high credit limit? Knowing the facts can help you make smart choices. Read this short lesson, then return here to answer a quiz question to continue!
Debunking the myths: 7 facts about credit cards Does paying less than the minimum count as a missed payment? Should you avoid having a high credit limit? Knowing the facts can help you make smart choices. Read this short lesson, then return here to answer a quiz question to continue!
Pay down debt or save? 5 questions to help you decide You probably know that carrying too much debt for too long isn’t good for your finances. And you may also know that you should have money put away for emergencies and other important goals. So how do you decide what’s more important—paying down debt Read More…
Pay down debt or save? 5 questions to help you decide You probably know that carrying too much debt for too long isn’t good for your finances. And you may also know that you should have money put away for emergencies and other important goals. So how do you decide what’s more important—paying down debt Read More…
10 online and mobile security tips We’re living our lives online—from banking to shopping to posting on social media—and proper internet security is more important than ever. While it may seem obvious, safeguarding your information can be as simple as consistently reviewing your bank accounts and reporting any suspicious activity. But there are other things Read More…
10 online and mobile security tips We’re living our lives online—from banking to shopping to posting on social media—and proper internet security is more important than ever. While it may seem obvious, safeguarding your information can be as simple as consistently reviewing your bank accounts and reporting any suspicious activity. But there are other things Read More…
Emergency cash: What are your options? When financial difficulties arise, you may need money fast. If you don’t have an emergency fund or other savings to tap into, you may feel as if there are no good options. By carefully weighing your choices, you can make sure you secure the best possible terms for your situation, with Read More…
Emergency cash: What are your options? When financial difficulties arise, you may need money fast. If you don’t have an emergency fund or other savings to tap into, you may feel as if there are no good options. By carefully weighing your choices, you can make sure you secure the best possible terms for your situation, with Read More…
8 simple ways to save money Sometimes the hardest thing about saving money is just getting started. This step-by-step guide can help you develop a simple and realistic strategy, so that you can save for all your short- and long-term goals. Read this short lesson, then return here to answer a quiz question to continue!
8 simple ways to save money Sometimes the hardest thing about saving money is just getting started. This step-by-step guide can help you develop a simple and realistic strategy, so that you can save for all your short- and long-term goals. Read this short lesson, then return here to answer a quiz question to continue!
Savings account or CD: Which is right for you? Have money to set aside and save for your short- and long-term goals? Savings accounts and certificates of deposit (CDs) are two great options. Both help keep your money safe while giving you the chance to earn interest. Break them down to figure out what’s right Read More…
Savings account or CD: Which is right for you? Have money to set aside and save for your short- and long-term goals? Savings accounts and certificates of deposit (CDs) are two great options. Both help keep your money safe while giving you the chance to earn interest. Break them down to figure out what’s right Read More…
8 Common Bank Fees Explained If you’ve ever felt like your bank charged you for something and you didn’t see it coming, this list is for you. Here’s a rundown of seven of the most common fees banks charge—and tips to avoid them. Read this short lesson, then return here to answer a quiz question Read More…
8 Common Bank Fees Explained If you’ve ever felt like your bank charged you for something and you didn’t see it coming, this list is for you. Here’s a rundown of seven of the most common fees banks charge—and tips to avoid them. Read this short lesson, then return here to answer a quiz question Read More…
Your bank account: 10 questions to ask What looks on paper like a no-fee or low-cost account may not actually be the one that’s best suited to your needs. Here are 10 questions to ask to help figure out if your account is right for you. Read this short lesson, then return here to answer Read More…
Your bank account: 10 questions to ask What looks on paper like a no-fee or low-cost account may not actually be the one that’s best suited to your needs. Here are 10 questions to ask to help figure out if your account is right for you. Read this short lesson, then return here to answer Read More…
8 tips for getting the most out of your checking account A checking account is probably the account you’ll use most often every day to pay bills, access cash, transfer funds and probably to deposit your paycheck. Whether you’re paying tuition at school or setting up direct deposit for your first job, knowing a few Read More…
8 tips for getting the most out of your checking account A checking account is probably the account you’ll use most often every day to pay bills, access cash, transfer funds and probably to deposit your paycheck. Whether you’re paying tuition at school or setting up direct deposit for your first job, knowing a few Read More…
Credit vs. debit: What’s the difference? Credit and debit cards may look similar, but their features and uses are very different. Knowing when and how to use each can help you build a stronger credit history and keep your debt levels down. Read this short lesson, then return here to answer a quiz question to Read More…
Credit vs. debit: What’s the difference? Credit and debit cards may look similar, but their features and uses are very different. Knowing when and how to use each can help you build a stronger credit history and keep your debt levels down. Read this short lesson, then return here to answer a quiz question to Read More…
Options for people who don’t like to budget Creating a budget may seem like a daunting task, but it doesn’t have to be. Learn about the tools and techniques that can help simplify budgeting and help you reach your financial goals. After watching this short video about tips on making it easier to set a Read More…
Options for people who don’t like to budget Creating a budget may seem like a daunting task, but it doesn’t have to be. Learn about the tools and techniques that can help simplify budgeting and help you reach your financial goals. After watching this short video about tips on making it easier to set a Read More…
Saving Money Every Day Saving starts with just a few simple changes to your spending. Learn how to save money on your everyday expenses, like groceries, transportation and entertainment. After watching this short video about tips on how to save every day, return here and answer a quiz question to continue! TIP: Check around the Read More…
Saving Money Every Day Saving starts with just a few simple changes to your spending. Learn how to save money on your everyday expenses, like groceries, transportation and entertainment. After watching this short video about tips on how to save every day, return here and answer a quiz question to continue! TIP: Check around the Read More…
StockTrak Forex Pair Margin Requirements When trading forex pairs, a portion of your cash will be restricted to cover the risk associated with that particular pair. The amount restricted is a percentage of the value of the trade. The product of the percentage times the dollar value of the trade will then be adjusted to Read More…
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Budgeting and Estimating Expected Expenses When you wake up each morning to go to school, you know that you need to shower, get dressed, eat some breakfast, and run to the bus stop. If you spend too much time on any of these tasks, you might miss your bus. In other words, each morning you Read More…
Unit Assessment – Risk and Financial Decision Making
Unit Assessment – Intermediate Investing
Unit Assessment – Stock Market Basics
Unit Introduction – Intermediate Investing Once you know the basics of what it means to invest (what is a Stock, how to look up quotes, and some of the other basics), you can begin to think about building a Portfolio, which means understanding what it means to diversify and how to build an investing strategy. Read More…
Unit Assessment – Income and Taxes
Unit Assessment – Managing Credit
Unit Assessment – Budgeting, Saving, and Spending
Unit Introduction – Risk and Financial Decision Making Insurance is one of those pesky expenses that you may complain about, but will be so grateful for when you actually need it. Unfortunately, accidents happen everyday, and having insurance ensures those accidents don’t drain your savings. There are numerous types of insurance to protect individuals. To Read More…
Unit Introduction – Managing Credit Navigating the world of credit is an essential skill. There are numerous decisions to be mindful of, including when to use credit, how to manage loans and debt, and how your credit score can affect future purchases. When it comes to credit, trust and playing the long game are key. Read More…
Unit Introduction – Stock Market Basics The concept of investing is simple – putting your savings to work to help it grow over time. Investing leverages the idea of compounding returns to generate wealth. For example, if you are able to save $50 a month for 10 years as cash, you will have saved up Read More…
Unit Introduction – Budgeting, Saving, and Spending After earning your first few paychecks, you want to get handle on your expenses so you can start to plan for the future. Building a budget is more than just listing out the bills you know are coming and trying to plan around that – it is about Read More…
Unit Introduction – Income and Taxes Acquiring your own income is the first step toward being a self-sufficient adult. Income gives you the ability to pay your day to day expenses, while planning for the future. However, having a job entitles you to more than just your salary. Although it can be enticing to accept Read More…
Frequently Asked Questions Basics Trading Other The Basics: Hedgeye On The Prize Q: What is the Hedgeye On The Prize? This is an elaborate, web-based educational tool. Each user account receives an amount of virtual dollars in a virtual brokerage account and simulates managing a portfolio by buying and selling stocks at real-time prices. For Read More…
What is a Credit Score and How is It Calculated? Your credit score will affect many segments of your financial life. It will determine if you get approved for a car loan or a mortgage to buy your house. If you get approved for either loan, it will also impact the interest rate you get Read More…
This Way to a Home of Your Own—5 Stages of the Home Buying Process We all know how to buy coffee at a coffee shop. You swipe your debit or credit card and the barista hands you your coffee. Some of us have gone through the process of buying a car. You spend an hour Read More…
Buying a Home Within Your Comfort Zone If you have done your “rent a house” vs. “buy a house” analysis and you have decided to buy a house, your next thought should be “how much can I afford to borrow to buy my house?” The answer is easy—it depends! 🙂 It depends on a lot Read More…
10 Questions to Ask Mortgage Lenders Thinking of buying a house? If you are like most people, then you will need to borrow money to buy that house. So get ready to start negotiating with different mortgage lenders. Click on the image below to review the 10 questions you should ask your mortgage lender. A Read More…
The Pros & Cons of Buying vs Renting a Home Once you have settled down after college and decided where you plan to live for a few years, you will be faced with the question: Should I continue renting or should I buy a house? While there can be lots of pride in home ownership, Read More…
Lessons Completed! Student Banking Services Congratulations on playing our financial life simulation and completing all of our lessons. We now invite you to make the transition from the simulation accounts to real world accounts… Where are you on your financial journey? We’re ready to give you personalized, face to face guidance in a safe environment* Read More…
Documents Needed to do Your Taxes Whether we like it or not, April 15 comes every year and that means our Federal taxes are due. The average taxpayer spends over 10 hours preparing their taxes. To reduce the burden of getting organized and preparing your taxes, it is important to stay organized and know what Read More…
Delaying Student Loan Repayments A survey of the Class of 2019 showed that 69% had some form of a student loan. While most student loans require you to start making payments within 6 months of graduation, there are certain instances where you can defer these payments. Click on the image below to watch a brief Read More…
What is a Balance Transfer & How Can it Help? If you are carrying credit card debt month after month you should know the interest rate that you are being charged on your unpaid balance. If that rate is in the double digits, you can probably save money by transferring that balance to a lower Read More…
Shopping for a Car? 3 Questions That Need Answers Shopping for a new car is always a fun day. But negotiating the final price and your payment method with the car salesman can be a dreadful and a challenging task. So, just like going into a final exam, the more prepared you are the easier Read More…
Comparing the Cost of New & Used Cars It’s a tough trade off that we all consider at some point: To buy a used car and save money, or to splurge and buy a new car. Buying a used car is obviously cheaper, but generally new cars are more reliable and get better gas mileage. Read More…
4 Strategies to Pay off a Credit Card Fast If you carry a balance on one or more of your credit cards, you will definitely want to review this article. Click on the image below to reveal 4 ways to pay off your credit card debt fast. A short Pop Quiz follows below the article. Read More…
How Many Credit Cards Should I Have? OK, so you got your first credit card. Then all of a sudden your mailbox is full of other banks and brands offering you a credit card. These offers tease you with 10% off discounts when you open a new credit card account. It sounds tempting. But if Read More…
Beyond Salary: Knowing Your Benefits Congratulations! You will soon be graduating from college and negotiating your various job offers. You have worked hard to graduate and you deserve a great paying job. But as you start to negotiate your offers, keep in mind that you really should be considering the overall compensation package. Salary is Read More…
Credit Card Minimum Payments Did you know that with most credit cards, if you pay the minimum required monthly payment you will end up paying more in interest than what you paid for your original purchase? THAT is exactly how banks make money and that is why the retail industry promotes the use of bank Read More…
How Your Credit Card Interest is Calculated Have you ever wondered how the interest that is charged on your credit card is actually calculated? If you understand a little of the credit card company’s math, you can save yourself lots of money over your lifetime by realizing EVERY DAY counts. Click on the video image Read More…
Building Credit & Keeping it Healthy Once you have established credit with a bank or credit card company, it is important that you continue to build your credit history and that you keep it healthy. Click on the video image below to reveal 5 things you can do to help build a healthy credit score Read More…
How To Build Credit from Scratch It seems like a Catch-22. How can you start building your credit if you don’t have any credit to start with? Well the truth is most banks will give college students and young adults a credit card with a very low credit limit. Then, if payments are made on Read More…
Tips for Planning an Affordable Vacation Everyone needs to take a vacation every now and then. Or at least travel to visit family and friends. But for most people who aren’t full-time sales people who travel every week, travelling can be an expensive ordeal. The good news is that it doesn’t have to be. If Read More…
7 Facts About Credit Cards Most studies show that over 70% of Americans own at least one credit card and carry it with them when they go shopping. Other studies show that most Americans carry an average balance of $6,200 on their cards and pay interest every month, but they DON’T know what the interest Read More…
Pay Down Debt or Save? Here is one of the most common questions that people who are trying to get control over their finances ask: If I have a little extra cash, do I pay down debt or do I put the money in my savings account? On one hand financial advisors tell us to Read More…
10 Online and Mobile Security Tips As you learn to save and become more aware of your personal finances, you will find yourself accessing your checking, savings, credit cards and other accounts online or via your mobile phone. This means bookmarking your banks URLs, installing their mobile apps on your phone, and inevitably the hassle Read More…
Need Emergency Cash? What are your Options? At some point in your life you might find yourself in a situation where you need some cash quickly. For example, you might have a doctor bill you need to pay. Or you might need to get your car repaired so you can get to work or you Read More…
8 Simple Ways to Save Money We all know that we should be saving money. We have all heard the saying from Benjamin Franklin that “a penny saved is a penny earned.” But it seems that it is just so much easier to SPEND money than it is to SAVE money. So how do we Read More…
Savings Account or Certificate of Deposit (CD) Once you get in the habit of saving money each month, the next question is where exactly to you put the money you are saving? The obvious choices are to keep it in cash in your piggy bank at home or put it in a bank account. Well Read More…
7 Common Bank Fees Explained As you learn to save, become more aware of your personal finances, you will find yourself accessing your checking, savings, and credit card accounts more and more. While most banks and credit card companies are willing to open up accounts for you for free, keep in mind that every company Read More…
10 Questions To Ask When Opening a Bank Account Now that you are getting used to managing your checking, savings and credit card accounts as part of this virtual platform, it is time you think about opening real banking accounts. But where do you begin? What questions do you need to ask a bank to Read More…
8 Tips for Getting the Most Out of Your Checking Account Hopefully by now you have a real checking account that you use to manage your monthly cash inflows and outflows. But are you really using all the features that your checking account offers? While there are lots of negatives associated with a checking account, Read More…
Credit Card vs Debit Card: What’s the Difference? Over time, our society moved away from paying for goods and services with gold and silver to paying for things with cash. In the last two decades, we have been transitioning from paying for things with cash to credit and debit cards. While these 2 cards may Read More…
Options for People Who Don’t Like To Budget Creating (and staying on) a budget is easier for some people than others. Watch this video to get more ideas on how to simplify your budgeting process and make it easier for you to reach your financial goals. Click on the video image below to get started. Read More…
How to Save Money Every Day Saving money is a lot easier than you think. The first question you have to ask yourself when you are thinking of making a purchase is: “Do I NEED this or do I just WANT it?” Stopping at your local coffee shop every day and spending $2.70 for coffee Read More…
The table lists the final ranking of all participants in the 2021 Biggest Winner Trading Competition. Rank Username Portfolio Value 1 Alpha_Male_Capital $125,674.90 2 Wintrade $124,403.02 3 Vix $124,313.33 4 akim13 $122,069.57 5 Gabby $119,590.75 6 lasalleguy $117,739.97 7 Grisou $117,247.56 8 ETHEREUM TO THE MOON $116,788.70 9 LongOil $116,417.21 10 CoelhoHero $116,279.19 11 fdlavoie Read More…
Financial Glossary 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…
Investing Word of the Day Investing 101 Chapter 1 Introduction To Investing Chapter 2 How and Why The Stock Market Works Chapter 3 Making Your First Trade Chapter 4 Building Your $100,000 Portfolio Chapter 5 Now That I Own It, What Should I Do? Chapter 6 Fundamental Analysis – Understanding Financial Statements Chapter 7 Technical Read More…
Accounting Learning Center Browse our collection of articles, videos, and activities relating to basic Accounting. Popular Topics: Accounting The Accounting Cycle Financial Analysis Through Key Ratios Asset Valuation Understanding Assets Accounting for Liabilities Operating Ratios Gains and Losses Basics of Equity Revenue and Expenses Payroll Best Practices Key Accounting Terms Cash Flow Analysis View More Read More…