Differentiate between saving and investing.

Teacher Guide included.

1-2 hours

Investigate taxes paid by individuals in Saskatchewan.

Teacher Guide included.

5-8 hours

Investigate various types of credit and credit products available to individuals.

Teacher Guide included.

7-10 hours

Most people worry exclusively about aspects such as potential returns and fail to take asset liquidity into consideration when deciding whether or not to invest in certain assets.

Through this video, I did my best to explain what the liquidity of an asset means and why it's important to think about how you're going to sell before deciding whether or not to buy :)

I've also analyzed the liquidity of various asset classes: the liquidity of stocks, the liquidity of bonds, the liquidity of real estate, the liquidity of art and antiques, the liquidity of cryptocurrencies such as bitcoin as well as the liquidity of domains and websites.

Educational animation about credit card debt - part of a series about basic money management for students. These clips were made to complement talks given by comedian James Cunningham. (The character in the cartoon is indeed a real guy)

One of the basic calculations that you should be able to do is figuring out your Net Worth. Once you can do that, you can start to monitor it over time to help see how well you are managing your finances.

In order to incorporate Indigenous world views and perspectives into this textbook, eight Elders from FNUniv were interviewed during 2017 and 2018. For quick identification and access, the full set of interviews with Elders is listed below, along with a brief explanation of the focus of each interview.

When the value of an asset falls below the outstanding balance on the loan used to purchase that asset. Negative equity is calculated simply by taking the value of the asset less the balance on the outstanding loan.

What is Equity? Equity is a term used in accounting, in real estate and home-ownership, in investing, as well as in startup financing and valuation. The meaning of the term equity is very similar in the various areas where it is used, so it will be good to review all four of these to get the best understanding.

In accounting, equity is a term that you will find on the balance sheet. What you own is on the left: assets. What you owe is on the right: liabilities and equity. Equity is the book value of the shareholder capital. The accounting equation tells you that assets equal liabilities plus equity. That also means that equity equals assets minus liabilities.

Equity on a balance sheet goes up when a company is profitable: the net income for the year gets added to equity through retained earnings. Equity on a balance sheet goes down when the company is loss-making (losses “eat up” the equity), or when the company pays a dividend to its shareholders.

Equity in home-ownership works very similar to equity on the balance sheet. What we own is on the left: the house worth $500.000. What we owe is on the right: $400.000 of mortgage loan from the bank, and the owner of the house, Jim, has $100.000 of equity in the house. Equity in home-ownership is what a home is worth minus how much you owe to the bank.

Just like equity on the balance sheet of a company can go up or down, the equity that you have in your home can go up or down. If Jim is paying down the mortgage on his house by $50.000, then the amount of the loan outstanding will decrease and his equity in the house will increase. If the market value of the house increases, then Jim’s equity in the house will increase. Remember that equity is what a home is worth minus how much you owe to the bank. If the market value of the house decreases, then Jim’s equity in the house will decrease, or even become negative. Jim will need to have a conversation with the bank to make a remediation plan to get back to positive equity, or in the worst case scenario Jim might lose the ownership of the house and the bank will need to take a partial write-off of its outstanding loan.

Investing in #equity. Remember the example of the small manufacturing business that owned a machine, had a loan from a bank, and equity from one shareholder. What if we make that a big manufacturing business that owns lots of machines at different sites totaling $1 billion, has many loans outstanding totaling $800 million that are publicly traded in the bond market, and has many different shareholders as the certificates of ownership, the equity, is traded publicly as well. As an investor, you have the choice of buying bonds (which would have a predetermined interest rate, and has the machines as collateral), or the choice of buying stocks (which are perceived as having more downside risk as well as more upside potential). Invest in debt, or invest in equity.

Want to track the total return on your stock portfolio (share price increase/decrease plus dividends received), then check out the easy-to-use online portfolio tracker called Sharesight: https://www.sharesight.com/thefinance...

Equity in a startup company. How do you put a “price” on what is essentially so far just an idea, that still has to be developed and will find many ups and downs along the way? The company does not have any assets, liabilities and equity yet. The financing and valuation depend on the estimate of the revenue, profit and cash flow that the business idea might bring in the future. A good way to learn about startup companies in the tech field is the comedy series “Silicon Valley”. What happens if the app you are developing turns out to have a great compression algorithm, you are courted by investors ready to fund you, and your friends and roommates suddenly become your employees while you become the CEO?

Having equity can be a great thing. Equity has potential risks as well as potential rewards. The term equity is used in accounting, in home-ownership, in investing, and in start-up financing and valuation. Probably the easiest metaphor to remember is equity in home-ownership: what a home is worth minus how much you owe to the bank.

Discover what liquidity is, how it differs across various asset types and what you, as a trader, may deduce from this measure. Compare two different areas of liquidity – a liquid market and a liquid asset. In the absence of a specific liquidity formula, consider the two ratios that will help you assess liquidity

Explore the value of money.

Teacher Guide included

2-4 hours

How to use Make it Count in the Classroom: Virtually every subject offers opportunities to expose students to money management situations. Rather than competing for valuable teaching time, Make it Count can enhance mandated curricula with engaging and practical real-life examples that promote understanding and hone decision-making skills. Saving, budgeting, spending wisely, earning money and recognizing scams are a few key concepts that weave themselves through a series of meaningful activities that easily integrate into subjects such as: Math,Computers, English, Art, Social Studies, Life Skills, Physical Education