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The month of April is Financial Literacy Month! Resources for. All Resources by date Total Lessons. Grades Factors Affecting Health and Life Expectancy In this economics activity, students will examine life expectancy data of people in the same city.
Key Concepts: Income, Income Distribution. Save Lesson. Key Concepts: Aggregate Demand. Grades Two Sides of the Same Story In this economics activity, students will compare the opinions about the federal government's stimulus package.
Grades Supply and Demand: Find the Mistakes Students will review four examples of changes in supply and demand to determine if the associated graph is correct. Key Concepts: Demand, Supply. Grades Resources for a Lemonade Stand Students will identify the different types of productive resources used to own and operate a lemonade stand.
Key Concepts: Entrepreneurs, Productive Resources. Grades Costs and Benefits of Political Decisions In this economics activity, students will examine potential influences on political decision-making. Content Partner. Grades Financial Wellness in 5 This quick video will walk monaco is the capital of what country through the basics of holistic financial wellness.
Grades Financial Wellness Assessment The six pillars of financial wellness provide a practical framework for managing your financial life. Grades Foundations of Financial Wellness Key Concepts: Financial Investments. Grades Budgeting Learn the basics of living within a household budget. Grades Savings series: Setting goals Setting goals will walk you through why goals are important and how you establish them.
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There’s a simple form to describe your fundraiser, you can add your image or video. Piggybackr allows you to pay for fees to make it simpler for donors. Start a Piggybackr. Lowest fees. 0% platform fee and we only ask donors to tip 4%. Or you can cover the fees 4% and we don’t ask for a tip. Complete a form and connect your bank. Apr 20, · Making your Piggy Bank Happy. Recent Posts. SIGN UP FOR A FREE VEET SAMPLE BOX AND A $5 OFF COUPON; Check Out This Tuesdays Text Offer From Shoppers Drug Mart!!!!! Savings strategies will provide new ideas for ways to save a little bit more and get closer to your goals.
The Investment Calculator can be used to calculate a specific parameter for an investment plan. The tabs represent the desired parameter to be found. For example, to calculate the return rate needed to reach an investment goal with particular inputs, click the 'Return Rate' tab. Investing is the act of using money to make more money. The Investment Calculator can help determine one of many different variables concerning investments with a fixed rate of return. For any typical financial investment, there are four crucial elements that make up the investment.
Our Investment Calculator can be used for mostly any investment opportunity that can be simplified to the variables above.
The following is a list of some common investments. The investment options available are far beyond what was listed. A simple example of a type of investment that can be used with the calculator is a certificate of deposit, or CD, which is available at most banks.
A CD is a low risk investment. It pays a fixed interest rate for a specified amount of time, giving an easy-to-determine rate of return and investment length.
Normally, the longer that money is left in a CD, the higher the rate of interest received. Other low-risk investments of this type include savings accounts and money market accounts, which pay relatively low rates of interest.
Risk is a key factor when making bond investments. In general, premiums must be paid for greater risks. Buying bonds from companies that are highly rated for being low-risk by the mentioned agencies is much safer, but this earns a lower rate of interest.
Bonds can be bought for the short or long term. Short-term bond investors want to buy a bond when its price is low and sell it when its price has risen, rather than holding the bond to maturity. Bond prices tend to drop as interest rates rise, and they typically rise when interest rates fall.
Within different parts of the bond market, differences in supply and demand can also generate short-term trading opportunities. A conservative approach to bond investing is to hold them until maturity. This way, interest payments become available, usually twice a year, and owners receive the face value of the bond at maturity. By following a long-term bond-buying strategy, it is not a requirement to be too concerned about the impact of interest rates on a bond's price or market value.
If interest rates rise and the market value of bonds change, the strategy shouldn't change unless there is a decision to sell. TIPS offer an effective way to handle the risk of inflation. They also provide a risk-free return guaranteed by the U. For this reason, they are a very popular investment, although the return is relatively low compared to other fixed-income investments.
This is what makes them unique and characterizes their behavior. Equity or stocks are popular forms of investments. While they are not fixed-interest investments, they are one of the most important forms of investments for both institutional and private investors.
A stock is a share, literally a percentage of ownership, in a company. It permits a part owner of a public company to share in its profits, and shareholders receive funds in the form of dividends for as long as the shares are held and the company pays dividends. Most stocks are traded on exchanges, and many investors purchase stocks with the intent of buying them at a low price and selling them at a higher one hopefully.
Many investors also prefer to invest in mutual funds, or other types of stock funds, which group stocks together. These funds are normally managed by a finance manager or firm. The investor pays a small fee called a "load" for the privilege of working with the manager or firm.
Another kind of stock fund is the exchange traded fund ETF , which tracks an index, sector, commodity, or other asset. An ETF fund can be purchased or sold on a stock exchange the same way as a regular stock.
Another popular investment type is real estate. A popular form of investment in real estate is to buy houses or apartments. The owner can then choose to sell them commonly called flipping , or rent them out in the meantime to maybe sell in the future at a more opportune time. Please consult our comprehensive Rental Property Calculator for more information or to do calculations involving rental properties.
Also, land can be bought and made more valuable through improvements. Understandably, not everyone wants to get their hands dirty, and there exist more passive forms of real estate investing such as Real Estate Investment Trusts REITs , which is a company or fund that owns or finances income-producing real estate. Real estate investing is usually contingent upon values going up, and there can be many reasons as to why they appreciate; examples include gentrification, an increase in development of surrounding areas, or even certain global affairs.
Real estate investing takes on many different forms, click here to find all our relevant real estate calculators. Last but not least are commodities. These can range from precious metals like gold and silver, to useful commodities like oil and gas.
Investment in gold is complex, as the price of it is not determined by any industrial usage, but by the fact that it is valuable due to being a finite resource. It is common for investors to hold gold, particularly in times of financial uncertainty. When there is war or crisis, investors tend to buy gold and drive the price up.
Investing in silver on the other hand, is very largely determined by the demand for that commodity in photovoltaics, the automobile industry, and other practical uses.
Oil is a very popular investment, and demand for oil is strong as the need for gasoline is always considerable. Oil is traded around the world on spot markets, public financial markets where commodities are traded for immediate delivery, and its price goes up and down depending on the state of the global economy. Investment in commodities like gas on the other hand, is usually made through futures exchanges, of which the largest in the U.
Futures exchanges trade options on quantities of gas and other commodities before delivery. A private investor can trade into futures and then trade out, always avoiding the terminal delivery point. Although the vastly different types of investments listed above among many others can be calculated using our Investment Calculator, the real difficulty is trying to arrive at the correct value for each variable. For instance, it is feasible to use either the recent historical average return rates of similarly sold homes or a rate based on future forecasts as the "Return Rate" variable for the investment calculation of a particular house.
It is also just as feasible to include all capital expenditures or only a particular stream of cash flows of the purchase of a factory as inputs for "Additional Contribution". Due to this difficulty, there really is no "right" way to arrive at accurate calculations, and results should be taken with a grain of salt. For more precise and detailed calculations, it may be worthwhile to first check out our other financial calculators to see if there is a specific calculator developed for more specific use before using this Investment Calculator.
Balance Accumulation Graph. Financial Calculators. Financial Fitness and Health Math Other. Your Target. Contribute at the beginning end of each month year. Results End Balance.