Saving and Investing. Your Money at Work
|
|
- Emily Dorsey
- 5 years ago
- Views:
Transcription
1 Saving and Investing Your Money at Work
2 Savings vs. Investing SAVINGS Savings is usually money you set aside for short-term goals. Money in savings may be invested later. Money in savings is very safe. Earns a small amount of money Can pull money out at any time INVESTING When you invest, you set money aside for future income, benefit, or profit to meet long term goals. No guarantee that your money will grow or increase Loss is possible and it takes time to recover. LONG TERM
3 Compounding The idea of earning interest on interest.
4 Savings Savings is money put aside for future use. Most common reasons to save are: Major purchases Emergencies Saving money for a rainy day Retirement
5 Investing Putting your money to use in order to make money on it Simple Interest vs. Compound Interest Simple interest that is computed only on the amount saved Compound interest that is computed on the amount saved plus interest previously earned Securities refers to bonds, stocks, and other documents sold by corporations and governments to raise large sums of money.
6 Investing Through Banks Savings Account Simplest form of saving Offered by all institutions (banks, credit unions, etc.) Generally, a low minimum deposit is required. Interest is low and varies from institution to institution. Certificate of Deposit Requires a minimum deposit for a minimum amount of time Interest rates are higher than a savings account
7 Investing Through Banks Money Market Fund Kind of mutual fund, or pool of money, put into a variety of short-term debt by business and government
8 Bonds Bonds Promise to pay a definite amount of money at a stated interest rate on a specified maturity date Bondholder Individual who lends money to a corporation
9 Bond Terms Face Value Amount being borrowed by the seller of the bond Coupon Rate Rate of interest on the bond
10 Types of Bonds Corporate Bonds Issued by corporations Used to finance buildings and equipment Municipal Bonds Issued by local and state governments Used to finance schools, roads, airports, etc.
11 Types of Bonds Treasury Bonds Issued by federal government Known as Savings or Federal Bonds Types: Series EE Bonds Cost half the face value After a specified number of years the bond becomes worth the face value. Treasury Bills Issued for three months to one year Treasury Notes Issued for two to ten years Treasury Bonds Issued for ten or more years
12 Stocks Stock Share of ownership in a business Stock Certificate Proof of ownership in a corporation Market Value Price at which a stock can be bought or sold Dividends Part of profits shared with stockholders
13 Types of Stocks Preferred Priority over common stockholders in the payment of dividends No voting rights Common General ownership in a corporation and a right to share in the corporation s profits Right to vote at shareholder meetings One vote per share
14 Understanding Stock Quote Tables 52 Week Hi Highest price during previous 52 weeks 52 Week Lo Lowest price during previous 52 weeks Stock Company name abbreviated Stock Symbol Ticker symbol Dividend Current dividend in dollars per share based on the last dividend paid Yield Dividend yield based on the current selling prices per share
15 Understanding Stock Quote Tables PE Price/Earnings ratio, comparing the price of the stock with earnings per share Volume Number of shares traded High Highest price during the day Low Lowest price during the day Close Closing price for the day Net Change Change in the closing price today compared with closing price on the previous day
16 Buying and Selling on the NYSE Typical transactions follow these steps: 1. Account executive receives your order to sell stock and relays to the brokerage firm s representative at the stock exchange. 2. Floor broker (buyer) goes to the trading post at which time this specific stock is traded. It is traded with the floor broker (seller) who has an order to buy. 3. A clerk signals the transaction to a floor broker on the stock exchange floor.
17 Buying and Selling on the NYSE 4. Floor broker (buyer) signals the transaction back to the clerk. Then a floor reporter an employee of the exchange collects the information about the transaction and inputs it into the ticker system. 5. The sale appears on the price board, and a confirmation is relayed back to your account executive, who then notifies you of the completed transaction.
18 Brokerage Firm Sells stocks for consumers Broker Person who acts as a go-between for buyers and sellers of securities. Commission Fee charged by a brokerage firm for the buying and/or selling of a security
19 Stock Exchange Marketplace where brokers who represent investors meet to buy and sell securities. Examples: NYSE NASDAQ AMEX Exchanges in San Francisco, Boston, Chicago
20 Types of Markets Bull Market Occurs when investors are optimistic about the economy Bear Market Occurs when investors are pessimistic about the economy
21 Selling a Stock Total Return Calculation that includes the annual dividend as well as any increase or decrease in the original purchase price of the investment Capital Gains Profit from the sale of an asset such as stocks, bonds, or real estate. Taxed as income Capital Loss Sale of an investment for less than its purchase price. Subtract up to $3,000 in losses from your income.
22 Investing in Insurance Life Insurance Cash-value insurance that provides both savings and death benefits
23 Investing in Your Future Pension Series of regular payments made to a retired worker under an organized plan Individual Retirement Account (IRA) Tax sheltered retirement plan in which people can annually invest earnings Types: 401k or 403b contributions are tax deductible and funds are taxed as regular income when they are withdrawn after age 59 ½. Roth IRA contributions are not tax deductible, but investment gains and all funds on which taxes are prepaid are tax free when they are withdrawn after age 59 ½.
24 Investing in Your Future Annuity Amount of money that an insurance company will pay at definite intervals to a person who has previously deposited money with the company
25 Other Investment Options Real Estate Land and anything that is attached to it Mortgage Legal document giving the lender a claim against the property Home Equity Difference between the price at which you could currently sell your house and the amount owed on the mortgage Appreciation general increase in value of a property Depreciation general decrease in value of a property
26 Other Investment Options Types of Property Undeveloped Property (Land) Unused land intended only for investment purposes Commercial Property Land and buildings that produce lease or rental income Real Estate Investment Trusts (REITs) Works like a mutual fund Combines funds to invest in real estate
27 Other Investment Options Collectibles Items of personal interest to collectors Rare coins, works of art, antiques, stamps, rare books, comic books, sports memorabilia, rugs, ceramics, paintings, and other items that appeal to collector and investors
28 Other Investment Options Commodities Includes grain, livestock, precious metals, currency, and financial instruments Futures Commodity contract-purchased in anticipation of higher market prices for the commodity in the near future
29 Other Investment Options Investing with Others Investment Clubs Small group of people who organize to study stocks and to invest their money Mutual Funds Created by an investment company that raises money from many shareholders and invests it in a variety of stocks Limit risk by diversifying investment
30 Savings Plan Putting money aside in a systematic order Ways to put money aside: Regular deposit Automatic deposit Electronic funds transfer
31 Starting Program Factors determining a program Safety Assurance that the money you have invested will be returned to you Liquidity Ease with which an investment can be changed into cash without losing any of its value Yield Rate of return (percentage of interest that will be added to your savings over a period of time) Diversification Process of spreading your assets among several different types of investments to lessen risk
32 Factors That Affect the Rate of Return on an Investment Risk - Chance of loss Rate of Return (yield) Amount of money the investment earns Compounding frequency is the interest computed on the amount saved plus the interest previously earned. Liquidity Ease with which an investment can be changed into cash Resistance to inflation Will rate of return keep up with inflation? Tax considerations
33 Factors that Affect the Selection of Financial Institutions Services offered Business hours Location On line services
34 Financial Security Investments (low risk) Cash Savings Accounts Money Market Accounts Certificate of Deposit US Government Bonds Retirement Accounts
35 Safety and Income Investments US Treasury Securities Conservative Corporate Bonds State and Municipal Bonds Income and Utility Stocks
36 Growth Investments Income and Growth Stocks Mutual Funds Real Estate Convertible Bonds
37 Speculation Investments (high risk) Options Commodities Precious Metals and Gems Speculative Stocks Junk Bonds Collectibles
38 Calculating Rate of Return Rate of Return = Total Interest Earned divided by Original Deposit Example: If you deposited $100 in account that paid $6.18 interest for one year, what would be the rate of return? $6.18/$100 =.0618 = 6.18%
39 Earned Interest The payment you receive for allowing a financial institution or corporation to use your money
40 Rule of 72 Tells you how long it takes your money to double in value Divide 72 by interest rate to determine number of years to double. Divide 72 by years to determine rate needed to double your money in a given time period.
41 Try It! Apply the Rule of 72 to find the time or rate. Assume you can earn 6% on your money. How long will it take $100 to grow to $200? 72 6% interest = 12 years
42 Try It! Apply the Rule of 72 to find the time or rate. If you have $200 today and need $400 in eight years, what interest rate do you need to earn? 72 8 years = 9% Interest
43 Regulators Securities and Exchange Commission ( Protects investors and maintains the integrity of the securities markets
44 Regulators Department of the Secretary of State ( /sec ) State Securities Laws Known as blue sky laws Intent of laws is to protect the investing public by requiring a satisfactory investigation of both the people who offer securities as investments and of the securities themselves. The securities division addresses investor complaints concerning securities brokers and dealers, investment advisers and commodity dealers as well as complaints about offerings of particular investment vehicles.
45 Regulators NASD ( Registers member firms, writes rules to govern their behavior, examines them for compliance and disciplines those that fail to comply Largest private sector provider of financial regulatory services Has helped bring integrity to the markets and confidence in investors
Financial Institutions vs. Financial Markets
Learning Objectives 1. I will gain an understanding of the different types of investment. 2. I will gain an understanding of the expected rate of return, risk, and liquidity for specific types of investments.
More informationPersonal Finance Unit 3 Chapter Glencoe/McGraw-Hill
Chapter 9 Stocks What You ll Learn Section 9.1 Explain the reasons for investing in common stock. Explain the reasons for investing in preferred stock. Section 9.2 Identify the types of stock investments.
More informationUnderstanding the Language of Investing Your Guide to Investment Terms
Understanding the Language of Investing Your Guide to Investment Terms The investment world seems to have a language of its own. The novice or even veteran investor can be confused by it from time to time.
More informationLesson standards. E.6.3 Explain the roles of financial institutions. E.6.6 Explain how interest rates act as an incentive for savers and borrowers.
Lesson standards E.6.3 Explain the roles of financial institutions. E.6.6 Explain how interest rates act as an incentive for savers and borrowers. E.6.7 Compare and contrast different types of financial
More informationStock Market Basics FIN 1050
Stock Market Basics FIN 1050 Why Learn About Stocks The stock market is the core of America s economic system A Stock is a share of ownership in the assets and earnings of a company A Bond is a type of
More informationWhy Learn About Stocks?
Language of the Stock Market Family Economics & Financial Education 1.12.2.F1 Why Learn About Stocks? O ne hears about the stock market on a daily basis. Not necessarily because they want to, but because
More informationYour guide to investment terms
Understanding the language of investing Your guide to investment terms The investment world seems to have a language of its own. The novice or even veteran investor can be confused by it from time to time.
More informationLanguage of the Stock Market
1.12.2.A1 Worksheet Language of the Stock Market Total Points Earned 41 Total Points Possible Percentage Name Date Class Directions: Complete the following worksheet in conjunction with the Language of
More informationChapter 13. Chapter 13 Learning Objectives. Preparing for an Investment Program. Investing Fundamentals
Chapter 13 Investing Fundamentals McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 13-1 Chapter 13 Learning Objectives 1. Describe why you should establish an investment
More informationGlossary of General Investment-Related Terms
Glossary of General Investment-Related Terms 12b-1 Fee: A fee assessed on certain mutual funds or share classes permitted under an SEC rule to help cover the costs associated with marketing and selling
More information2 Basic Types of Stock. Stock Classifications
The Language of the Market Family Economics & Financial i Education Why Learn About s The stock market is the core of America s economic system is a share of ownership in the assets and earnings of a company
More informationLeap Model Guide. Where Products Belong on the Leap Model. For use in the United States
Leap Model Guide Where Products Belong on the Leap Model For use in the United States PROTECTION COMPONENT P1 Vehicle Insurance ATV (All-Terrain Vehicle) Insurance Automobile Insurance Boat Insurance Gap
More informationGlossary Of Investment-Related Terms
Glossary Of Investment-Related Terms PART 1 General Investment-Related Terms 12b-1 Fee: A fee assessed on certain mutual funds or share classes permitted under an SEC rule to help cover the costs associated
More informationSavings and Investment
Lecture Notes for Chapter 3 of MACROECONOMICS: An Introduction Savings and Investment Copyright 2000-2009 by Charles R. Nelson 1/8/09 In this chapter we will discuss- How savings becomes investment. Banks
More informationInvestment Terms Glossary
Investment Terms Glossary 12b-1 Fee: A fee assessed on certain funds and associated share classes permitted under an SEC rule to help cover the cost associated with marketing and selling the fund; 12b-1
More informationWhy Learn About Stocks The stock market is the core of America s economic system
Financial Literacy What Are Stocks Why Learn About Stocks The stock market is the core of America s economic system Stock is a share of ownership in the assets and earnings of a company Bond is a type
More informationSAVING AND INVESTING. EQ: Explain the differences between saving and investing and the benefits and risks of each. E. NAPP
SAVING AND INVESTING EQ: Explain the differences between saving and investing and the benefits and risks of each. There is a difference between saving money and investing money. SAVING AND INVESTING When
More informationTypes of Investments
Types of Investments Types of Investments Stocks Bonds Mutual Funds Real Estate Savings/Certificates of Deposit Collectibles Stocks An investment that represents ownership in a company or corporation.
More informationSample Glossary Of Investment-Related Terms For Disclosures To Retirement Plan Participants
Sample Glossary Of Investment-Related Terms For Disclosures To Retirement Plan Participants Version 1.00 December 19, 2011 General Information SAMPLE GLOSSARY OF INVESTMENT-RELATED TERMS FOR DISCLOSURES
More informationGLOSSARY OF FINANCIAL TERMS
GLOSSARY OF FINANCIAL TERMS Financial Terms AGI (Adjusted Gross Income) This is what the IRS considers your annual income BEFORE you ve subtracted personal exemptions, deductions, and credits. It can be
More informationInvesting for the Future
Chapter 11 Investing for the Future 11.1 Basic Investing Concepts 11.2 Making Investment Choices 2010 South-Western, Cengage Learning Lesson 11.1 Basic Investing Concepts GOALS Why should you should consider
More informationSAMPLE GLOSSARY OF INVESTMENT-RELATED TERMS FOR DISCLOSURES TO RETIREMENT PLAN PARTICIPANTS (Version 1.01 April 26, 2012)
General Information SAMPLE GLOSSARY OF INVESTMENT-RELATED TERMS FOR DISCLOSURES TO RETIREMENT PLAN PARTICIPANTS (Version 1.01 April 26, 2012) The Sample Glossary of Investment-Related Terms for Disclosures
More informationPFIN 10: Understanding Saving and Investing 62
PFIN 10: Understanding Saving and Investing 62 10-1 Reasons for Saving and Investing OBJECTIVES Explain the difference between saving and investing. Describe reasons for saving and investing. Describe
More informationInvestment Education Series
Investment Education Series The Art of Investing Introduction Investing is an art and science that requires creativity, experience and good judgement on the art side and quantitative skills, precision
More informationGladys Porter Early College High School. Alberto Velez. Brownsville, Texas
Gladys Porter Early College High School Alberto Velez Brownsville, Texas Chapter 7 Investing and Estate Planning Section 7.1 INVESTMENTS Objectives Explain the role of investments in overall financial
More informationRisk -The most important concept of investment
Investment vs. Saving How is investing different from saving? Investing means putting money to work to earn a rate of, while saving means put the money in a home safe, or a safe deposit box. Investments
More informationFinancial Literacy Course. East High School Module 10
Financial Literacy Course East High School Module 10 What will you learn about? What is Investing In the Stock Exchanges What is Investing? Risk & Return Generally, the higher the risk, the higher the
More informationFinancial Markets I The Stock, Bond, and Money Markets Every economy must solve the basic problems of production and distribution of goods and
Financial Markets I The Stock, Bond, and Money Markets Every economy must solve the basic problems of production and distribution of goods and services. Financial markets perform an important function
More informationEssential Questions. It takes money to make money
Essential Questions 1. How does the time value of money affect the future value of an investment? 2. Why is it important to diversify your investments? 3. How are liquidity and diversification related?
More informationMutual Funds Glossary. Aggressive Growth Funds
Mutual Funds Glossary Aggressive Growth Funds Stock mutual funds that seek high growth through aggressive investment strategies. These funds generally buy stocks of emerging companies that offer the potential
More informationSan Jacinto Community College District Quarterly Investment Report (Including Deposits)
San Jacinto Community College District Quarterly Investment Report (Including Deposits) February 28, 2018 Fair Value Publicly Traded Equity and Similar Investments Total Publicly Traded Equity and Similar
More informationSelf-Directed IRAs: Knowing the Rules Helps Build the Foundation for Success
Self-Directed IRAs: Knowing the Rules Helps Build the Foundation for Success Knowing the Rules Helps Build the Foundation for Success While a self-directed IRA can be a vehicle for a variety of investment
More informationBefore You Invest Pre-Test (ES)
Before You Invest Pre-Test (ES) 1. A company is a business that sells products or provides services to make a(n) a. loss b. profit c. investment. 2. Corporations can be private or publicly-owned. a.true
More information2
1 2 3 4 5 6 Say that you need to generate $4,000 per month in retirement and $1,000 will come from social security and you have no other pension. This leaves $3,000 per month, or $36,000 per year, that
More informationInvesting Offers Rewards And Poses Risks. Investment Basics: The Power of Compounding. How Do Americans Invest Their Savings? (EA)
How Do Americans Invest Their Savings? (EA) Learning how to save money for future use is an important first step in reaching your long-term goals. But saving alone is not enough. You will also need to
More informationUnit 5 Financial Literacy
Unit 5 Financial Literacy MONEY Money is anything that people will accept as payment for goods and services and it should perform three important functions: 1) Medium of Exchange- the means through which
More informationSavings is the portion of current income not spent on consumption. Savings account, money markets, certificate of deposit (CD)
Investing Saving vs. Investing Savings is the portion of current income not spent on consumption. Savings account, money markets, certificate of deposit (CD) Investing is the purchase of assets with the
More informationDEBT. Liabilities A liability is a company s (or individual s) financial debt or obligations that arise during the course of its business operations.
FINANCIAL ABCs DEBT Amortization Amortization is the paying off of debt with a fixed repayment schedule in regular installments over a period of time, e.g., with a mortgage or a car loan. Annual Percentage
More information401(k) 529 plan a American Stock Exchange (ASE) annual fee annual percentage rate (APR) asset auto insurance b bad debt balance bank bankruptcy
401(k) A retirement savings plan funded by employees and often matched by contributions from the employer; contributions are usually made before taxes and grow tax-free until withdrawn, although after-tax
More informationLamar State College - Port Arthur Annual Investment Report (Including Deposits)
Lamar State College - Port Arthur Annual Investment Report (Including Deposits) August 31, 2017 Market Value Publicly Traded Equity and Similar Investments Common Stock (U.S. and foreign stocks held in
More informationBanking and Finance. EXAM INFORMATION Items. Points. Prerequisites. Grade Level. Course Length. Career Cluster EXAM BLUEPRINT. Performance Standards
EXAM INFORMATION Items 58 Points 74 Prerequisites NONE Grade Level 10-12 Course Length ONE SEMESTER DESCRIPTION Students will gain an understanding of the banking and financial industries. The course will
More informationIntroduction to Investing
Introduction to Investing "Take Charge of Your Finances" Advanced Level Saving and Investing Once an appropriate amount of liquid assets are reached Remember: The purpose of savings is to develop financial
More informationCHAPTER 16. Stocks and Bonds
CHAPTER 16 Stocks and Bonds SECTION 1: Stocks Financial Markets Stocks and bonds are bought and sold in a financial market. Financial markets channel money from some people to other people. They bring
More informationMoney Mondays. Growing Your Wealth. Charles A. Thomas
Money Mondays Growing Your Wealth Charles A. Thomas Our Hopes For You n You will reflect on your relationship with God. n You will leave more aware of how your financial behavior is influenced. n You will
More informationPersonal Financial Planning
Personal Financial Planning Types of Investments Stocks Bonds Mutual Funds Real Estate Savings/Certificates of Deposit Collectibles Stocks Stock: An investment that represents ownership in a company or
More informationSavings and Investing
Savings and Investing Personal Finance Project You must show evidence of your reading either with highlighting or annotating (not just the first page but the whole packet) This packet is due at the end
More informationWEALTH CARE KIT SM. Investment Planning. A website built by the National Endowment for Financial Education dedicated to your financial well-being.
WEALTH CARE KIT SM Investment Planning A website built by the dedicated to your financial well-being. Do you have long-term goals you re uncertain how to finance? Are you a saver or an investor? Have you
More informationWhite Paper Alternative Asset Classes: An Introduction
White Paper Alternative Asset Classes: An Introduction www.selectportfolio.com Toll Free 800.445.9822 Tel 949.975.7900 Fax 949.900.8181 Securities offered through Securities Equity Group Member FINRA,
More informationGLOSSArY OF RETIREMENT TERMS
FIRST SECURITY BENEFIT LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK GLOSSArY OF RETIREMENT TERMS 401(k ) A defined contribution plan offered by a corporation to its employees, which allows employees
More informationUnit 4: Types of Mutual Funds
Unit 4: Types of Mutual Funds Welcome to Types of Mutual Funds. This unit gives you an overview of the types of mutual funds available. Before providing your client with an investment solution, you need
More information1. Primary markets are markets in which users of funds raise cash by selling securities to funds' suppliers.
Test Bank Financial Markets and Institutions 6th Edition Saunders Complete download Financial Markets and Institutions 6th Edition TEST BANK by Saunders, Cornett: https://testbankarea.com/download/financial-markets-institutions-6th-editiontest-bank-saunders-cornett/
More informationChapter 11 Questions A B C D
Chapter 11 Questions A B C D Which of these is NOT a part of the financial system? governments to control the market organizations that bring funds and assets together the funds that a saver transfer to
More informationFinancial Institutions, Markets, and Money, 9 th Edition
Power Point Slides for: Financial Institutions, Markets, and Money, 9 th Edition Authors: Kidwell, Blackwell, Whidbee & Peterson Prepared by: Babu G. Baradwaj, Towson University And Lanny R. Martindale,
More informationThe Charles Schwab & Co. Guide to Margin
The Charles Schwab & Co. Guide to Margin Margin is a tool that can be used to potentially generate greater returns, execute investment strategies, and serve as a source of flexible low cost borrowing for
More informationAlternative Asset Classes: An Introduction
Van Pearcy, MBA, RFC Branch Manager & Financial Advisor 2020 West Cuthbert Avenue Midland, TX 79701-5728 432-683-0000 800-575-9220 van.pearcy@raymondjames.com www.vanpearcy.com Alternative Asset Classes:
More informationAdding Mutual Funds to a Stock Portfolio Adding Stocks to a Fund Portfolio. An Introduction to Initial Public Offerings
Primary Subject Accounting Tutorial 20 Stock-Investing Tips 401(k) Plans A Simple Adding to a Stock Adding to a Fund Advantages of Alternative Investments Alternatives to Probate American Depository Receipts
More information+ Why Save? + Savings & Investing
+ + Why Save? Savings is the setting aside of income for a period of time so that it can be used later. For What? - Major Purchases, Emergencies, Retirement Savings provides funds for others to invest
More informationHow Will You Use The TFSA?
RON GRAHAM AND ASSOCIATES LTD. 10585 111 Street NW, Edmonton, Alberta, T5M 0L7 Telephone (780) 429-6775 Facsimile (780) 424-0004 Email rgraham@rgafinancial.com How Will You Use The TFSA? What is a Tax
More informationSelf-Directed IRA Rules and Regulations. Your Blueprint for Building Continued Success
Self-Directed IRA Rules and Regulations Your Blueprint for Building Continued Success Knowing the Rules is the Foundation for Success While a self-directed IRA offers nearly limitless investment options,
More informationSaving and Investing. *Be sure to leave a couple blank lines under each question and answer the questions at the end of the lesson.
Saving and Investing Objective: How does investing contribute to the free enterprise system? What is the financial system? How do financial intermediaries link savers and borrowers? What are the trade-offs
More informationUnit 4: Types of Mutual Funds
Unit 4: Types of Mutual Funds Welcome to Types of Mutual Funds. This unit gives you an overview of the types of mutual funds available. Before providing your client with an investment solution, you need
More informationChapter 9 Debt Valuation and Interest Rates
Chapter 9 Debt Valuation and Interest Rates Slide Contents Learning Objectives Principles Used in This Chapter 1.Overview of Corporate Debt 2.Valuing Corporate Debt 3.Bond Valuation: Four Key Relationships
More informationUNIT 2: PRACTICAL ECONOMICS; HOW THEORY WORKS FOR YOU CHAPTER 6: SAVING AND INVESTING
UNIT 2: PRACTICAL ECONOMICS; HOW THEORY WORKS FOR YOU CHAPTER 6: SAVING AND INVESTING Lesson 6-1 I.Deciding to Save A. people save for purchases that require more funds than available, for emergencies,
More informationDRIVING MY FINANCIAL FUTURE
STUDENT ACTIVITY 2 Write all of the things you d like to have or do that cost money, you can make the list as long as you want. Review the items you have listed and group them into the 3 category boxes
More informationThe Stock Market. What It Is and How It Works. Ashlee Garn, Brokerage Consultant Fidelity Investments
The Stock Market What It Is and How It Works Ashlee Garn, Brokerage Consultant Fidelity Investments Topics We Will Cover: 1. How corporations raise money. Debt vs. Equity 2. How stocks are bought and sold
More informationIt seems to be a law of nature, inflexible and inexorable, that those who will not risk cannot win.
Bell Ringer It seems to be a law of nature, inflexible and inexorable, that those who will not risk cannot win. -John Paul Jones What does the quote mean? Restate the quote in your own words. When was
More informationA retirement account similar to a 401(k) plan, but offered by non- profit organizations, like universities or charitable organizations.
EverFi Financial Literacy TM Teacher Resources Course Glossary This document lists all the glossary terms & definitions found in the EverFi Financial Literacy online course. Students can also print and
More informationPay. Yourself. First
Pay Yourself First Welcome 1. Agenda 2. Ground Rules 3. Introductions Pay Yourself First 2 Objectives Explain why it is important to save Determine goals for saving money Identify savings options Determine
More informationTHE BASICS OF INVESTING HELPING YOU PAINT A VIBRANT FUTURE
THE BASICS OF INVESTING HELPING YOU PAINT A VIBRANT FUTURE Getting Started Is Easier Than You Think One of the biggest misconceptions about securing your financial future is that you have to be a financial
More informationPersonal Finance and Portfolio Management Strategies
The Iowa Electronic Markets Personal Finance and Portfolio Management Strategies Examination Curriculum using the IEM Federal Reserve Monetary Policy and the Computer Industry Returns Markets By Jan E.
More informationInvestments 10th Edition Bodie Test Bank Full Download:
Investments 10th Edition Bodie Test Bank Full Download: http://testbanklive.com/download/investments-10th-edition-bodie-test-bank/ Chapter 02 Asset Classes and Financial Instruments Multiple Choice Questions
More informationLanguage of the Stock Market Grade Level 10-12
1.12.2 Language of the Stock Market Grade Level 10-12 Take Charge of Your Finances Materials provided by: Kim Knoche, Family and Consumer Sciences Educator, Forsyth High School, Forsyth, Montana Time to
More informationSaving and Investing
Presentation Slides $ Lesson Twelve Saving and Investing 04/09 pay yourself first (a little can add up) example 1: Save this each week At % Interest In 10 years you ll have $7.00 5% $4,720 $14.00 5% $9,400
More informationGlossary of Investment Terms
Glossary of Investment Terms A Accelerated Depreciation The amount of expense charged against earnings by a company to write off the cost of a plant or machine over its useful live, giving consideration
More informationFinancial Investment
Financial Investment Dagmar Linnertová Dagmar.linnertova@mail.muni.cz Seminars Excercises in a seminars evaluated by lecturer Questions as a preparation for final test (2, 1 or 0 points) maximum points
More informationUnit 13: Investing and Retirement
Investing and Retirement There is no more reading from the textbook or quizzes. The rest of the textbook is covered in the Advanced Family Finance class. However, there are a few things that I like to
More informationInvestments at a glance
Investments at a glance This guide tells you about different kinds of investments and some things to keep in mind when you re considering an investment. The Canadian Securities Administrators (CSA) have
More informationBuyer's Guide To Fixed Deferred Annuities
Buyer's Guide To Fixed Deferred Annuities Prepared By The National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory
More informationTest Bank for Investments Global Edition 10th Edition by Zvi Bodie, Alex Kane and Alan J. Marcus
Test Bank for Investments Global Edition 10th Edition by Zvi Bodie, Alex Kane and Alan J. Marcus Link download full: https://digitalcontentmarket.org/download/test-bankfor-investments-global-edition-10th-edition-by-bodie
More informationSAN FRANCISCO COUNTY TRANSPORTATION AUTHORITY INVESTMENT POLICY
I. INTRODUCTION II. III. IV. The purpose of this document is to set out policies and procedures that enhance opportunities for a prudent and systematic investment policy and to organize and formalize investment-related
More informationNotes and Reading Guide Chapter 11 Investment Basics
Notes and Reading Guide Chapter 11 Investment Basics Name: 1. Your investing goals should be to your money and. It is important to understand investing from a perspective. A solid grounding in investing
More informationTen Steps to Financial Freedom
Finfreedomabbrev Prov 27:23-27 Know the state of your flocks, and put your heart into caring for your herds, for riches don't last forever, and the crown might not be secure for the next generation. After
More informationEverGreen Financial Services, Inc. Firm Brochure - Form ADV Part 2A
EverGreen Financial Services, Inc. Firm Brochure - Form ADV Part 2A This brochure provides information about the qualifications and business practices of EverGreen Financial Services, Inc. If you have
More informationABOUT THE SERIES 6 EXAM
Contents ABOUT THE SERIES 6 EXAM XV ABOUT THIS BOOK XIX ABOUT THE TEST BANK XXI ABOUT THE SECURITIES INSTITUTE OF AMERICA XXIII CHAPTER 1 EQUITY SECURITIES 1 What Is a Security? 1 Equity = Stock 2 Common
More informationTD Mutual Funds. TD Asset Management. Simplified Prospectus. July 27, 2017
TD Asset Management TD Mutual Funds Simplified Prospectus July 27, 2017 Money Market Funds TD Canadian Money Market Fund (3)(4)(10) TD Premium Money Market Fund (1)(11) TD U.S. Money Market Fund (1)(5)(9)(11)
More informationX-Links Crude Oil Shares Covered Call ETN ETN Ticker: USOI
October 3, 2018 X-Links Crude Oil Shares Covered Call ETN ETN Ticker: USOI Key Features Exposure to an index that seeks to implement a covered call investment strategy on Reference Oil Shares. Income potential
More informationCORNERCAP GROUP OF FUNDS CORNERCAP BALANCED FUND CORNERCAP SMALL-CAP VALUE FUND CORNERCAP LARGE/MID-CAP VALUE FUND
CORNERCAP GROUP OF FUNDS CORNERCAP BALANCED FUND CORNERCAP SMALL-CAP VALUE FUND CORNERCAP LARGE/MID-CAP VALUE FUND Supplement to the Statement of Additional Information Dated August 14, 2015 This Supplement
More informationInvesting in Stocks. Chapter 31
Investing in Stocks Chapter 31 You can only get poor quickly; getting rich takes time Investing is putting your money to use in order to make money on it Putting money in a savings account is a form of
More informationBANKING AND FINANCE (235)
DESCRIPTION Students will gain an understanding of the banking and financial industries. The course will include an understanding of basic economics as the underlying basis of the transfer and growth of
More informationTax Issues and Consequences in Financial Planning. Course #5505E/QAS5505E Course Material
Tax Issues and Consequences in Financial Planning Course #5505E/QAS5505E Course Material Introduction Tax Issues and Consequences in Financial Planning (Course #5505E/QAS5505E) Table of Contents Page PART
More informationBUYER S GUIDE TO FIXED INDEX ANNUITIES
BUYER S GUIDE TO FIXED INDEX ANNUITIES Prepared by the National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory
More informationSection 8.1. I. Percent per hundred
1 Section 8.1 I. Percent per hundred a. Fractions to Percents: 1. Write the fraction as an improper fraction 2. Divide the numerator by the denominator 3. Multiply by 100 (Move the decimal two times Right)
More informationINS Mutual Funds and Individual Securities Exam Study Guide
INS Mutual Funds and Individual Securities Exam Study Guide This document contains the questions that will be on the exam. When you have studied the course materials, reviewed the questions in this document,
More information1. The largest single institutional owner of common stocks is:
Files: ch02, Chapter 2: Multiple Choice Questions 1. The largest single institutional owner of common stocks is: a. mutual funds. b. insurance companies. c. pension funds d. commercial banks Ref: Organizing
More informationCHAPTER 14: ANSWERS TO CONCEPTS IN REVIEW
CHAPTER 14: ANSWERS TO CONCEPTS IN REVIEW 14.1 Puts and calls are negotiable options issued in bearer form that allow the holder to sell (put) or buy (call) a stipulated amount of a specific security/financial
More informationFinancial Markets Econ 173A: Mgt 183. Capital Markets & Securities
Financial Markets Econ 173A: Mgt 183 Capital Markets & Securities Financial Instruments Money Market Certificates of Deposit U.S. Treasury Bills Money Market Funds Equity Market Common Stock Preferred
More informationPresentation Notes for Take It to the Bank- A Guide to Saving and Investments. Take It To The Bank. A Guide to Saving and Investments
Presentation Notes for - A Guide to Saving and Investments Slide 1 Take It To The Bank A Guide to Saving and Investments Page1 Slide 2 Copyright Copyright Texas Education Agency, 2013. These Materials
More informationChapter 1. What is Finance? Four Basic Areas. Corporate Finance. Investments. Financial Institutions. International
Chapter 1 What is Finance? Four Basic Areas Corporate Finance Investments Financial Institutions International What are the duties of the financial manager? What long-term investments should the firm make?
More informationEmployee Investment Handbook
Employee Investment Handbook Employee Investment Handbook The material used in this text has been drawn from sources believed to be reliable. Every effort has been made to ensure the accuracy of the material.
More informationLecture 13: The Equity Premium
Lecture 13: The Equity Premium October 27, 2016 Prof. Wyatt Brooks Types of Assets This can take many possible forms: Stocks: buy a fraction of a corporation Bonds: lend cash for repayment in the future
More information