Category: Investing

Question of the Day: If you invested $1,000 in Netflix stock ten years ago, what would it be worth today?

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Dec 17, 2017
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Stocks, Question of the Day, Investing, Current Events
  Answer: $51,966 (as of 10/31). Remember when subscribing to Netflix meant watching the mailbox for DVDs?  One look at their stock price appreciation lets you know they successfully navigated through the “disruption” to at-home entertainment with the adoption and availability of streaming video.  In fact, they are expected to spend $8 billion on original content in 2018.  As for Blockbuster, they did not fare so well. Netflix’s success earned it a place in...

The Retirement Conundrum: How Can I Engage My Students In Such An Important Topic?

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Dec 13, 2017
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Index Funds, Investing, Retirement, Activities, Article, WebQuest
Ok, I know that retirement is a long way off for your students, which makes it difficult to engage them on the topic. What if the focus instead was on the actions that you students can take in their 20s to set themselves up well for that period far off into the future?  Here's a Washington Post article that lists five actions that 20-somethings can take to get a jumpstart on their "nest egg." Well, it turns out we have an NGPF resource recommendation for each of their tips. Thanks to...

Question of the Day: What's the average 401(k) balance for Americans?

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Dec 12, 2017
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Investing, Research, Retirement, Question of the Day, Current Events
Answer: $100,000 From Bloomberg (subscription): Questions: Do you think that $100,000 is enough of a "nest egg" for retirement? I know it is a long, long, long way off but how much do you think you will need to save for a comfortable retirement?  Is it better to start investing when you are young or to wait until you have the basics like a car and house taken care of before first? ----------- Here's the ready-to-use slides for this Question of the Day for your classroom. ------------...

Investing Reminder: Ignore the Noise of the Financial Press

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Dec 07, 2017
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Article, Investing, Behavioral Finance
  Great post here from the Irrelevant Investor that uses recent history to show poorly the financial press predicts near-term stock prices.  Here's how he opens: Could today have been a more obvious “sell the news event?” Of course it wasn’t obvious to me in the morning, and if we closed at the highs I wouldn’t be writing this, but come on. Could this have been any more obvious? The S&P 500 fell 1% from its highs, and closed down a...

NGPF Podcast: Tim Talks To Educator Extraordinaire Julius Prezelski of Mt. St. Joseph's High School (Baltimore, MD)

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Dec 03, 2017
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Podcasts, Investing
It was great to run into Julius at a few conferences recently and learn more about the program he has developed at Mt. St. Joseph's. As someone who has advocated and developed personal finance programs at two different schools over the last 20 years at two different schools, Julius has a wealth of experience to share. You will hear him describe the one book that became the cornerstone of his course in the early years. From the power of story-telling to making investing fun and understandable...

What I'm Reading This Weekend

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Dec 02, 2017
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Current Events, Economics, Cryptocurrencies, Article, Interactive, Investing
I am going to try (note the word "try") to make this a regular weekly feature of the blog. The goal: a curated list of articles for your weekend reading that will pique your interest, increase your content knowledge and keep you abreast of trends in personal finance. Thanks to Beth Tallman for generating this first list! Interactive Interactive chart that from St. Louis Federal Reserve showing subprime population at county level. Great discussion starter about economic trends in your local...

Chart: What financial assets do families own?

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Nov 29, 2017
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Stocks, Chart of the Week, Checking Accounts, Investing
Hat tip to Big Picture Blog Questions: In your own words, what is an asset? Which financial asset has seem the greatest increase in ownership between 2001 and 2016? What do you think are examples of Transaction Accounts? Certificates of Deposit and Savings Bonds  both saw sharp drops in the percentage of households holding them between 2001 and 2016. What do you think that has been the case?  You read this headline "No one seems to be saving for retirement today." Does this chart...

Question: How much money is there in the world?

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Nov 28, 2017
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Economics, Question of the Day, Research, Savings, Chart of the Week, Stocks, Investing, Current Events
Answer: It depends on how you define money. From $7.6 trillion (physical currency) to $90 trillion (broad money).  This audio and infographic below are great ways to bring the concept of money to life and also help provide context to the size of the various markets and the U.S. position relative to the rest of the world.  Audio from Marketplace (hat tip to Sonia; duration, 3:19):  Questions:  What type of money is included in M0 (zero)?  What is included in the term...

Question of the Day: What percentage of U.S. mutual fund assets are in index (or passive) funds?

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Nov 27, 2017
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Investing, Question of the Day, Stocks, Mutual Funds
Answer: 42% From LA Times: More from the LA Times: These “passively managed” or “index” funds have delivered as they said they would — and have shamed many “actively managed” U.S. stock funds, the majority of which over the long run have failed to exceed or match the average market return after deducting their fees. Passive funds were relatively slow to catch on with individual investors in the 1980s and ’90s. But over the last few years,...

What I'm Reading This Holiday Week

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Nov 21, 2017
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Article, Investing, Chart of the Week
Hat tip to Abnormal Returns, Big Picture Blog and Visual Capitalist which provide a great curated list to start with: David Swenson is nervous (Bloomberg): The legendary Yale endowment manager is nervous about something. Read the article to find out what is keeping him up at night.  Looking for a simple productivity hack (Thrive Global)? Hint: It has something to do with your smartphone! I can never get enough of Jonathan Clements (on our podcast here and here). Here's his thoughts on the...

Top 10 on NGPF Blog: What Are Teachers Reading?

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Nov 20, 2017
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Investing, Budgeting, Video Resource, Current Events, Retirement, Behavioral Finance
Here's what trending recently on the NGPF Blog: Chart of the Week: What is average credit score for 18-24 year olds? Hint: It takes good behaviors (and time) to perfect the credit scoring game.  Let's Go To The Videotape: 5 Personal Finance Documentaries to Consider. From professional athletes going to bust, to the retirement crisis we face in this country to the largest investment fraud of our time, this list has something for everyone.  NGPF Announces Scholarship...

Article: The Dead Man Fund

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Nov 17, 2017
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Investing, Article, Mutual Funds, Savings, Stocks
This 7 minute article that appeared in Longreads hooked me in the first paragraph:  In 1989, Morningstar, Inc., an advisory service, issued a strongly worded and unusual recommendation to its clients who had placed money with a firm then called the Steadman Funds (later known as the Ameritor Funds). “We urge you to cut your losses and get out,” Morningstar counseled. Doubtless, some investors heeded this advice. Many couldn’t, though, because they were dead. I wanted to...

How To Integrate Personal Finance Content Into Family and Consumer Science Courses

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Nov 15, 2017
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Entrepreneurship, Credit Reports, Personal Finance, Credit Scores, Identity Theft, Investing
A few days ago, Leah Bratcher, Financial LIteracy Program Coordinator for FCCLA reached out to us with an interesting challenge. Leah helps Family and Consumer Science teachers discover ways to integrate personal finance into their courses, which can range from child development to fashion, interior design to hospitality, and more, all while adhering to different standards. As you can imagine, finding ways to weave personal finance into such a wide variety of subjects while meeting standards can...

Question of the Day: What is the most valuable U.S.-based company?

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Nov 15, 2017
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Investing, Stocks, Question of the Day, Research, Chart of the Week
Answer (as of 11/15/17): Apple From Visual Capitalist comes this fascinating chart of top 10 companies over the past 100 years: Questions: Compare the largest companies from 1917 to the largest companies in 2017: Are there any companies that that stood the test of time and appear in both lists? Does this surprise you? How has the industry composition of these two sets of companies changed over the past 100 years?  You see a newspaper article noting that there is a concentration of...

NGPF Podcast: Tim Talks to Fred Selinger, Personal Finance Educator At Cal Berkeley

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Nov 12, 2017
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Personal Finance, Podcasts, Stocks, Budgeting, Investing
Thanks to Fred Selinger, Personal Finance instructor at Berkeley's Haas School of Business for joining me recently on the NGPF podcast. Fred shares his exciting story of how he went from a successful business career in corporate finance to taking on the challenge of building a personal finance program at one of America's flagship universities, the University of California at Berkeley. He describes the meteoric rise of the program: from the the first day of class when he didn't know if anyone...

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