The Time Value of Money
Resource Guide
United States Securities and Exchange Commission
http://www.sec.gov/about/whatwedo.shtml
The mission of the U.S. Securities and Exchange Commission is to protect investors, maintain fair,
orderly, and efficient markets, and facilitate capital formation.
Investor.gov: In the Classroom
http://investor.gov/classroom
The United States Security and Exchange Commission Office of Investor Education and Advocacy
offers resources to help individuals become better investors. The “In the Classroom” section of the
website provides teachers, students, and parents with tools to develop an understanding of savings
and investing focusing on key concepts that students need to know.
FINRA.org
http://www.finra.org/Investors/index.htm
FINRA or the Financial Regulatory Authority is the largest independent regulator for all securities
firms doing business in the United States. The chief role of FINRA is to protect investors by
maintaining the fairness of the U.S. capital markets. FINRA oversees nearly 4,500 brokerage firms,
163,470 branch offices and 634,385 registered securities representatives. The section on “Smart
Investing” offers essential tools for understanding the markets and basic principles of saving and
investing.
Lesson: The Benefits of Investing Early
http://www.econedlink.org/lessons/index.php?lid=603&type=educator
In this lesson from EconEdLink students examine the difference between opportunity costs and the
time value of money. Students determine the wealth of investors who start saving money at times in
their lives.
Lesson: Developing a Financial Investment Portfolio
http://www.econedlink.org/lessons/index.php?lid=566&type=educator
In this lesson from EconEdLink students work as “financial advisors,” helping their clients grow an
investment portfolio and tracking the investment over a period of weeks.
Lesson: Climbing the Savings Mountain
http://www.econedlink.org/lessons/index.php?lid=515&type=educator
This EconEdLink lesson helps students find ways to save money, build financial goals, understand
interest, and predict how inflation will influence money saved.
2011 WNET
Additional resources for teaching financial education:
W!SE
http://www.wise-ny.org/
Working in Support of Education (w!se) is a nonprofit organization that offers financial education
materials for schools all across the country. W!se seeks to support students for career and college,
build civic engagement and financial literacy.
The Muriel Siebert Foundation
https://www.thesiebertfoundation.org/
The Muriel Siebert Foundation offers educational materials for the classroom that teach young
people about basic financial skills and institutions, as well as how to use credit wisely. The lesson
Lauren Popkoff presents in the video Teaching Students About Credit is adapted from a Muriel
Siebert Foundation activity.
Moneypower
http://www.moneypower.org/wise/withframes.jsp
Moneypower is a website for The New York Financial Literacy Coalition, a program made available to
the public through w!se, that encourages financial education for young people.
Wall Street Journal Classroom Edition
http://www.wsjclassroomedition.com/index.html
This site provides up-to-date articles and lesson plans covering economic matters in topics like
cost/benefit analysis, supply and demand and incentives.
EconEdLink: Economics and Personal Finance Resources for K-12
http://www.econedlink.org/
This website offers over 700 classroom resources for the K-12 teachers that cover topics on personal
finance and economics.
Council for Economic Education
http://www.councilforeconed.org/
This site provides a variety of resources that look to promote personal finance for K-12 students.
Resources include lessons, economic journals and access to Federal Reserve institutions around the
country. The lesson Riza Lauden presents in the video The Time Value of Money is from Financial
Fitness for Life, a comprehensive personal finance curriculum for K-12 students available through
the Council for Economic Education.
Family Economics and Financial Education
http://fefe.arizona.edu/
This website from the University of Arizona offers financial education resources specific to each
state that aim to promote smart financial planning.
2011 WNET
It All Adds Up
http://www.italladdsup.org/
This website is geared towards teens and offers resources to help them understand and set goals
related to their financial future. Visitors can play games and learn about subjects ranging from
money management to paying for college.
Jump$tart Coalition for Personal Financial Literacy
http://www.jumpstart.org/home.html
Jump$tart is a coalition of organizations for Pre-K to college age students that distributes materials
that seek to improve financial literacy.
Junior Achievement
http://www.ja.org/
Junior Achievement is a volunteer organization that offers K-12 programs that try to prepare young
people for career and college by teaching work-skills, financial literacy, and entrepreneurship for
tomorrow’s business professionals.
The Mint
http://www.themint.org/index.html
This interactive website has large collection of materials for kids, teens, parents, and teachers that
look to promote good financial habits.
2011 WNET