Corporate and Employee Education:
Our Personal Budgeting and Stock Market Game–Your Branding and Your Employees
The PersonalFinanceLab Platform
Increase Employee Productivity or Give Back To Your Community.
We all use money every day, whether we are earning it, spending it, or trying to save it.
But with each crisis our society faces, one thing is becoming crystal clear: Most people are terrible at managing their money.
A Northwestern Mutual study found that the #1 cause of stress among Americans is money.
Another recent survey said that 60% of Americans don’t have enough savings to cover a $1,000 emergency expense.
So it is no surprise that another survey found that “half of the U.S. workforce is dealing with financial stress, leading to $500 billion in lost productivity costs for employers.”
Our platform is helping to change all of that.
We have gamified learning about budgeting, savings, and investing and we are seeing great success. Each year over 800,000 individuals learn from our platform; and we can help your employees too.
The experiences created through the platform will ultimately teach the user to save first, manage their money on a weekly basis, and then ultimately learn how to invest their savings to start increasing their net worth. The games reflect real life, provide insight and fantastic learning opportunities that will apply to users on a personal level.
Whether you provide this for your employees or sponsor a local high school, university, or other organization, it will be a memorable experience for the user that will provide immediate impact as well as teach them lesson that will last a lifetime. When branded with your corporate colors and logos, it can double the impact. This will allow your business to make a difference, be recognized, and increase your brand awareness.
Students progress through the game by rolling a dice, moving forward a few days at a time. Teachers choose the length of their game - from 6 months to 60!
Each "Month" in game takes between 10 and 20 minutes to complete
Students work a part-time job and receive a paycheck each week. They need to use their variable income to meet their expenses - both expected and unexpected
Bonus points are awarded when students transfer 10% of each paycheck to their savings account before their next turn!
Teachers set the average amount students pay each month for their bills, but students get a choice around that average for how they choose to spend their income
Cheaper options for their fixed expenses are more budget-friendly, but students earn bonus points by selecting the more expensive options. Can they balance their budget while earning the most points?
Every roll of the dice, students are faced with unexpected events - usually something bad!
Students choose to use their credit card or debit card for each expense. Consequences of each choice can cascade through other events later in the game!
Students get weekly and monthly summaries of their progress
Seeing how their total spending breaks down between their "Planned" and "Unplanned" expenses helps build realistic budgeting habits
Students also choose how to spend every weekend - working extra hours for cash, spending time with friends, taking care of chores, or studying
Each choice has consequences - neglect studying too long will cause grades to slip - and the need to hire an expensive private tutor!
Students can use their debit or credit cards for each expense - and track their bank balances and credit usage
Students build credit by responsibly using their credit card - but losing track of spending can result in interest charges and damaged credit score
Periodic "Pop Quizzes" reinforce math skills and basic financial vocabulary
Students earn bonus cash for finding the right answer - but get penalized for each mistake
The Budget Game
The PersonalFinanceLab.com Budgeting Game puts your class in the role of college students with a part-time job. Students need to manage their variable income from their job to balance their bills and variable expenses to hit their savings goals at the end of each month. Each “Month” in the game takes about 20 minutes to complete. While a typical class lasts 12 “months”, teachers can have longer or shorter games depending on availability of class time.
Students roll a dice to progress through the game, moving forward a couple days at a time. At the end of each dice roll, students encounter an unexpected (and usually unpleasant) event that will impact their finance this month – a flat tire on the way to work, an unexpected inspection from their landlord, and hundreds of other realistic situations. Students also choose how to spend each weekend – work extra hours for extra cash, study for their classes, take care of chores, or spend time with friends.
The Stock Game
Our cutting-edge, real-time stock game is derived from our university platform used in over 80% of the top business schools in the United States. Teachers decide how much cash students start with, what they can trade, how students need to diversify their portfolio, and over 40 other ways they can customize their class.
Students build a portfolio of stocks, bonds, ETFs, mutual funds, and other investments at real-time prices. Our integrated research center shows income statements, balance sheets, cash flow statements, historical prices, analyst ratings, and much more – all formatted in a way that is easily digestible for beginners. Students can work individually or in teams, and no two classes are ever the same!
Watch class engagement soar with our live-streaming rankings, while students get engaged watching their portfolio tick up and down, while students’ Trading Notes give teachers direct insight into the thought process behind every action.
Research built right into the trading page, with company info, analyst ratings, price history, financial statements, and more!
Students can see their holdings as a simple list, or color-coded heatmaps - we show green where students are earning a profit and red where there's a loss for faster comprehension!
Tons of exportable reports, both for students and teachers. We account for all splits and dividends, and students can see a summary of their entire portfolio all in one place!
Full suite of built-in research tools. Students can even find financial statements for US companies, annually and quarterly, going back 20 years!
Real-time, streaming rankings is a huge driver of student engagement. Watch portfolio values and student rankings tick up and down in real time, responding to market news as it happens!
Research tools include historical prices for any US stock, going back all the way to when they were first listed on the market. Students can export all data for use on their own, or use integrated charting and research tools directly in the research center!
Our trading page has bulit-in symbol lookup, dynamic charts (both simple and advanced versions for different grade levels), color-coded prices, company logos, and much more to get your class off to a running start!
Students are prompted to take "Trade Notes" with every order. Both students and teachers can review these later
Our curriculum library has over 300 lessons aligned to state and national standards for Personal Finance, Economics, Business, Finance, and Accounting classes. Teachers can mix and match articles, videos, interactive widgets, and other activities. Each lesson takes 10 minutes or less to complete, with each ending with a “Pop Quiz” to ensure students comprehension. Teachers typically assign between 5 and 10 lessons per week, which students complete while also engaging with the stock and budgeting games. Since the curriculum is entirely web-based, it also works great as homework!
See A Sample Lesson Plan
Our customizable lesson plan library shows how to integrate our lessons and activities with your classes. We designed our lesson plans to be flexible enough to be used on their own or combined with any of your favorite lessons you already use in class.
See A Sample Lesson
This short lesson introduces students to the concept of a “stock”. We combine text, infographics, and videos, and wrap up with a pop quiz to measure comprehension.
How We Align To Standards
Our curriculum aligns to state and national standards for Personal Finance, Economics, Accounting, Management, and Career Development classes.
Step One: Set Up Your Class
Start by setting up your class budgeting and stock games – these can be used as long-term activities that tie the rest of your class together, or keep them short to fit the time you have available.
Personal finance classes can take advantage of the personal budgeting simulation, where they take on the role of a college student managing their variable income from a part-time job and fixed and variable expenses from paying tuition through insurance, all while working on building their credit score, savings account, overall net worth, and personal wellbeing.
The stock market game serves as the foundation for all the other activities in the class, using the real financial markets to tie everything together. Use trade notes to encourage students to apply concepts from class to their virtual portfolio, the Teams feature to have students collaborate while still maintaining individual accountability, and the class rankings to keep everyone engaged.
Step Two: Create Your First Assignment
An “Assignment” is a set of tasks you want your students to complete. This includes lessons from the curriculum library, watching tutorial videos for the website, or taking certain actions in the stock/budget games.
Teachers typically set up Assignments for each week, but you can choose any start date (and time) and due date (and time) – so feel free to explore for what works best for your class.
When students log in, the Assignment will appear on the right of each page – showing their progress and a countdown for how long they have left to complete it.
Step Three: Students Compete And Learn!
Every time your students log to check their class assignments, they are also greeted by their portfolio, and their live class rankings. Class rankings keep students engaged with the stock game, while progressing through their assignments and lessons.
As the teacher, you also get complete access to all student progress, including different reports showing trading activity and assignment progress. Once your screens and/or tickers are installed, start broadcasting your class rankings, lesson snippets, and financial data to turn your classroom into the coolest room at your school!
Pricing is based on the number of student accounts your school needs per year. Remember: not just your class can benefit! All pricing is based on school – discounts are available for multiple schools in the same district.
Budget Game or Stock Game: $10 Per Student
Budget Game AND Stock Game Combo: $15 Per Student
Both the Stock Game and Budget Game includes our full curriculum library.
60 Student License
$895.00 Per Year
Includes full access to stock game, budget game, and curriculum.
$595.00 Per Year for just Stock Game OR Budget Game.
100 Student License
$1,495.00 Per Year
Includes full access to stock game, budget game, and curriculum.
$995.00 Per Year for just Stock Game OR Budget Game.
Discount pricing for schools with 200 students or more!
250 Students Per Year: $2,995.00
1000 Students Per Year: $5,995.00
District Pricing Also Available
Extra – Build Your Lab
We also work with schools to set up physical lab spaces – turning any classroom into the coolest room at the school!
You can start by taking any existing TV and upgrading it to a MarketInsight Display – schools that already have a site license to PersonalFinanceLab can get a MarketInsight Display feed for just $360/year (and can be used on up to 3 different screens).
We also work with schools who install colorful wall-to-wall tickers – the crown jewel of any lab space! Schools typically start using PersonalFinanceLab in their classes while their labs are still in the planning phase, and add on the tickers and LCD screens via grants or as funds become available.
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