This presentation accompanies our lesson on Planning Long-Term Purchases, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on Opportunity Cost, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on filing income taxes, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on Getting Trading Ideas, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on Family Planning, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on Using Credit, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on Credit Reports, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on Credit Cards, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on Classifying Products and Services, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on Car Insurance, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on buying a car, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on Building an Investing Strategy, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on Budgeting, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on Budgeting and Spending Strategies, which is available as a class Assignment with a built-in assessment. Click Here to view the main lesson! Click Here to copy this presentation to Google Slides Click Here to download this presentation as a PowerPoint

This presentation accompanies our lesson on Bonds, which is also available to include in your class assignments with an assessment. Click here to view the main lesson! Copy this presentation to Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson on Payroll Accounting, which is also available to be included in your class Assignment with an assessment. Click Here to view! Copy this presentation in Google Slides Download this presentation as a PowerPoint

This presentation accompanies our lesson about Sales Tax, which is available as an “Assignment”. Copy this presentation in Google Drive Download this presentation as a PowerPoint

This presentation accompanies the Personal Finance Lab Career Center, with a brief discussion of some of the many options students have to choose from after completing high school. Click Here To Copy This Presentation in Google Drive Click Here to download this presentation as a PowerPoint

In this lesson students will learn about various ways to invest. They will be learning about different types of investments such as stocks, mutual funds and bonds. Students will be assessing different risk that comes with each type of investment and determining when it is a good idea to invest.

In this lesson students will be learning about the different options that they have after graduating high school. They will be looking at different careers and learning about what skills and level of education is required to be successful in those careers.

In this lesson students will be learning about income tax and why certain states have an income tax. Students will be learning about taxes from the start to finish, from filling out tax forms to calculating what percentage will be taken out of their income.

In this lesson students will learn what sales tax, discounts and tips are. These are important things for students to know and learn because they will be interacting with these terms in their everyday life. Students will walk away being able to calculate all of these terms in a variety of situations.

In this lesson students will be learning about the different costs that come with buying and owning a car. This lesson is important because there are many costs that students do not think come with owning a care and it is important to take them all into consideration before owning a car.

This lesson introduces the concept of opportunity cost in the eyes of both the consumer and the producer. Students will walk away from the lesson thinking about the opportunity cost that comes with each decision that they make.

This lesson plan in an introduction to “Needs” and “Wants”, and how we use that distinction to make decisions throughout the day. The class activities also start to bridge the gap between the basic concepts, up through integrating concepts of money, and the foundations of budgeting.

In this lesson students will learn about the basics of what a credit card is and the different responsibilities that come with owning a credit card. Students will learn about what both a credit report and credit score are and the impact they have on someone’s finances. By the end of the lesson students will Read More…

This lesson plan will introduce students to the concept of comparison shopping. There are a variety of activities that all center around comparing different items in order to get the best value for your money. Students will be able to find the unit prices of various items and also how and where to research different Read More…

This lesson is an introduction to buying a stock. Students will be introduced to basic vocabulary that is involved with a buying and owning a stock. Students will be going through the entire process of buying a stock from looking up the stocks ticker symbol to buying a stock on the market.

In this lesson students will be learning about both budgets and spending plans. They will be able to tell what the different parts of each are and when to use either. They will be looking at other peoples’ budgets and saving plans to evaluate how to create one. They will leave with the tools and Read More…

In this lesson students will be learning all about checking and how to track their purchases. Throughout the different activities students will be interacting with checks and connecting that back to budgeting and spending. Students will go through the entire bill paying process from reading a billing statement to writing a check in order to Read More…

In this lesson students will be learning about different types of scams that could happen over the phone or on the computer. They will be able to identify when they find a scam and will learn the importance of not falling into the scam. Includes 5 customizable activities

This document was part of the lease you signed after moving into your apartment. Lease Terms QUIET ENJOYMENT:  Tenant shall be entitled to quiet enjoyment of the Premises and Landlord will not interfere with that right, as long as Tenant pays the rent in a timely manner and performs all other obligations under this Lease. Read More…

The world’s best tool for teaching Personal Finance, Economics, and Business is about to get even better with our new customizable Budgeting Game!   How It Works Schools with a site license for PersonalFinanceLab.com stock and budgeting games  will now have the option to also add our new customizable budgeting simulation to their class, and Read More…

Teachers sometimes ask us why we anchor the curriculum and other activities on PersonalFinanceLab.com to our stock market simulation – so we want to tell you why! Research Tested, Student Approved There are numerous studies showing how stock market games improve classroom outcomes in Personal Finance, Economics, and Business classes, with a body of literature Read More…

Marquette Catholic High School in Michigan City, Indiana was one of the first schools we worked with to transform one of their classrooms into a full Financial Literacy Lab. The Marquette program utilizes the Personal Finance Lab simulation and curriculum both in their Economics classes and their Global Trading classes, focused on investing and finance. Read More…

We work with hundreds of schools around the country to take their Personal Finance, Economics, and Business classes to the next level. Over the last few years, more and more schools are using our Personal Budgeting Game, our customizable Stock Market Game, and our curriculum library to start building Finance Lab.  Eventually they add on Read More…

The MarketInsight display is one of the fundamental pieces of any Finance Lab. This is an LCD screen that can rotate several financial “widgets” for your classes. The coolest part is that each MarketInsight is fully configurable – you choose what you want displayed! How Does It Work? Think of your MarketInsight like a PowerPoint Read More…

Cost is the biggest barrier preventing teachers from launching their first lab. Getting quotes from vendors, applying for grants, getting administration approval (on top of planning and running your classes!) puts up a huge wall between your students and the awesome financial literacy resources they deserve. To help break down this barrier, we’ve put together Read More…

Comparative Advantage is the term used to describe how one person, business, or economy, is able to outproduce one product or service compared to another person, business, or economy.

Having trouble knowing how to communicate your raw portfolio data, into consolidated, comprehensible reports? Look no further. This article details step-by-step instructions on how to use Excel to to graph your portfolio’s values.

The most important reason you would want to use excel to track your stock portfolio is trying to calculate your profit and loss from each trade. Read this article to step-by-step instructions on how to calculate your profit and loss using Spreadsheets.

If you’ve been trading for a long period of time you might have been curious to know what your daily returns were. Excel and Google Sheets can help you efficiently calculate this in a simple way. Suppose we started trading on August 29th, 2017. It is now September 7th and we would like to know Read More…

Before you can consider creating graphs to demonstrate your portfolio values, or calculating the profit and loss of your trades, you need to import data from your portfolio into a spreadsheet, and make some sense of these numbers. Read this article for guidance on how to export data from your portfolio into excel successfully!

Gross Domestic Product (GDP) is a measure of the total economic output a country makes in a given year, and indicates the total size of the economy. Want to learn about how it is calculated? This article will answer that question, and more!

Personal Finance Lab was designed as a simple and effective resource for teachers. Click on this post to find out just how easy it is to use!

If you can save just $100 per month, you might struggle to decide between putting your money in a savings account, or investing in the stock market.

If you can find a savings account that gives a 3% rate of return, after 10 years you will have saved up $13,980. $12,000 is from cash deposits, and $1,980 from interest.

If you invest in the stock market at the average growth rate of the S&P 500, after 10 years you will have saved up $19,620. $12,000 is from cash deposits, and $7,620 from interest.

Make your money work for you!

The best time to start saving is NOW!

If you can start saving and investing just $110 per month when you turn 18 earning the standard market rate of return, you will have saved up over $1 million by the time you turn 65. This amounts to saving just $62,000 – letting compound interest and the markets do the rest.

If you wait until you are 25 to start saving, you’ll need to increase your monthly savings by $90 per month to reach the same goal – saving up a total of $96,000.

By waiting, you will need to save an extra full year of wages just to reach the same goal! Start saving now, for huge returns in the future!

Saving a million dollars is easier than you think!

If you can invest just $200 per month starting when you turn 18 and earn the average market return, you will have saved up over a million dollars when you turn 58!

It also keeps growing – you will have over $1,800,000 by the time you turn 65 – letting you spend over a hundred thousand dollars per year while your investments continue to grow in retirement!

Bonds are a loan you can make to governments, and they will pay you back regular interest payments. At the end of the bond term, you will also get back the loan amount.

Bonds are very low-risk investments, but also tend to be very low reward (typically not much more inflation). These are a great way to invest if you are unsure about the stock and commodities markets.

Exchange Traded Funds (or ETFs) are investment funds with a lot in common with mutual funds. Instead of being managed by a professional Fund Manager, ETFs are designed to replicate the movement of some other index, such as the S&P 500, or follow the price of oil. These can be used both to diversify a portfolio and to invest in things like commodities, which do not normally trade on the stock exchange.

ETFs are a good way to invest in a broad range of investments all at once, such as broadly investing in Biotech stocks. They can also be used to “Go Short” on a broad index, or even use a Leveraged ETF to double the gains (or losses) of whatever it is tracking!