Apr 03, 2019
Chart of the Week, Investing, Stocks
Hat tip to Morning Brew for highlighting this chart in their daily newsletter.
With a flood of IPOs about to hit the market (Pinterest, Uber and AirBNB to name a few), I thought this chart was an important reminder that not every tech IPO goes BOOM!
Why do you think that companies like GoPro and Fitbit have struggled so much as public companies? (Hint: are there other products similar to theirs?)
Square is a top performer. Do you know what business they are in? Do...
Mar 26, 2019
Budgeting, Chart of the Week, Research
From our friends at Visual Capitalist:
What is the largest income source for American households?
What percent of a household's income covers federal, state and local taxes?
What is the savings rate for the average American household (Hint: Divide Savings by Total Income to establish the savings rate)?
What are the five largest costs? Do you think these five costs are wants or needs?
One rule of thumb is that you shouldn't spend more than 30% of your...
Mar 19, 2019
Current Events, Chart of the Week, Career, Employment
Background (from datavizblog.com):
NPR has written a lot about how income has changed (or not) for the rich, middle class and poor in the U.S. In the past, however, they have written much less about what the rich, middle class and poor actually do for work.
What is the most common job for the top earning professionals?
What is the most common job for the lowest earning workers?
Is there any overlap where jobs show up in multiple income levels? Does it tend...
Mar 12, 2019
Employment, Chart of the Week, Career
Note: Shaded regions indicate periods when the economy was in recession, a period of time when the economy is contracting instead of growing.
Finish the sentence based on the information in the graph: The ______ education you have the _______ the _____________________ rate.
During what periods is the gap in unemployment between the least educated and most educated the widest? the narrowest?
Your friend tells you that some college is better than none. Based on...
Feb 26, 2019
Chart of the Week, Stocks
Great graphic that displays the economic transformation that has occurred since 1900 based on the industry composition of the stock market.
From Visual Capitalist:
What industry has seen the most dramatic decline since 1900? Can you explain the change in that industry?
Which industry has seen the largest increase (and didn't even exist in 1900)?
What do you think this chart would look like in 2100? Explain your reasoning.
Feb 19, 2019
Chart of the Week, Investing, Stocks, Behavioral Finance
From Retirement Field Guide, comes a chart showing the stock chart for an S&P 500 ETF (which tracks S&P 500 Index) from 2012 to present with quotes from noted pundits.
Click on the chart to get a larger version that is easier to read:
How much has the S&P 500 risen over this period?
Why do you think that so many experts may have been expecting a crash in 2012? (Hint: what happened a few years earlier?)
What is it about the stock market that makes us...
Feb 12, 2019
Chart of the Week, Insurance
Hat tip to Beth Tallman:
What happened between 2010 and 2018 to hospital spending and tax rates?
Does it surprise you that Americans spend more on hospital spending than they did for federal income taxes?
Your friends says that he thinks hospital costs have peaked in 2018. Does the graph support his argument?
Check out NGPF Insurance Unit Page for ideas on how to bring insurance to life for your students.
Behind the chart from...
Feb 05, 2019
Chart of the Week, Employment, Career
From Visual Capitalist comes a state-by-state analysis of the largest public and private employers. Can you guess which private sector employer dominates the grayed out section on this map? Click on the map to get the answer:
Questions (after watching 2:55 video):
Who is the largest employer in your state?
The largest employers by state are typically in what industries? Of those industries, which do you think have the highest paying jobs?
Do you think the largest employers by...
Jan 29, 2019
Chart of the Week
What's the overall trend with consumer debt since 2003?
Which loan type has grown the fastest since 2003?
Estimate percentages for each of the three loan types. In other words, what percentage of overall consumer debt is auto loans, student loans and credit card debt
What additional data points would you need to know in order to assess how stressed consumers are with debt payments?
Jan 22, 2019
Chart of the Week, Investing
For your investing unit, this chart below shows the annual returns of the S&P 500 from 1927 through January 19, 2018.
Since investors talk in terms of returns when talking about stocks, I recommend going into detail about exactly how a return is calculated for a stock over a given period:
(End of period price for index - beginning of period price for index) divided by the beginning of period price.
So let's show an example and calculate what the return for 2019 has been for the...
Jan 15, 2019
Chart of the Week, Behavioral Finance
From Pew Research:
Consumers have long relied on advice and recommendations from others before making purchasing decisions, and Americans today have access to a vast library of customer ratings and reviews that they can consult when deciding if products or services are worth their money. This survey finds that a substantial majority of the public now incorporates these customer ratings and reviews into their decision-making processes when buying something new: Fully 82% of U.S. adults say they...
Jan 08, 2019
Chart of the Week, Career, Employment
History was recently made. As the chart above shows there are now more job openings than unemployed workers.
In what year was the gap widest in terms of the difference between the number of unemployed and the available jobs? What do you think happens to wages for workers in that year?
What has been the primary contributor to this situation in 2018 where job openings now exceed the number of unemployed? Has it been the growth in job openings or the decrease in the number...
Dec 19, 2018
Insurance, Chart of the Week
How do you think auto insurance companies determine the premiums that they charge their customers?
Why do you think 16 year old boys have insurance premiums that are $64 more per month than similarly aged girls?
What is the percentage drop in premiums between the ages of 16 and 30 for men? for women? Why do you think there is such a large drop?
Looking for more charts for your students to analyze? Check out NGPF's Data...
Dec 13, 2018
Checking Accounts, Current Events, Chart of the Week
...they might want to ask the banker "Are you sharing my fees with the college so every time I overdraw my account...my college benefits?"
Here's the data showing the average costs by bank:
During the 2016-2017 academic year, students using college-endorsed debit or prepaid accounts paid $27,600,000 in account fees, according to the report. And students tended to pay more fees when financial institutions paid their colleges to promote the accounts. That could...
Dec 11, 2018
Chart of the Week, Career, Employment, Math
Chart courtesy of Statista:
Why do you think there is such a difference in the minimum wage rates by state?
What is the minimum wage in your state? Is it different in your area?
What do you think determines minimum wage levels in a given market (city, town, county)?
Analyzing this chart, what would you guess the federal minimum wage is?
Describe the typical worker that earns the minimum wage (education level, age, experience, type of job, industry)?