The Finance Visual

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Financial Literacy for Kids | Learn the basics of finance and budgeting

Sometimes it's hard to distinguish whether something is a necessity or we just want that thing. Financial Literacy for Kids provides the basics about needs versus wants, budgeting, credit versus debit, and more. The points are easy to follow and understand. By the end, students will receive a good foundation of these points of financial literacy. A need is something that is necessary to survival. Food, water, and shelter are needs because we need those things to survive. Wants include much more, from toys and books to phones and cars. While it can be difficult to tell the difference sometimes, these definitions will help you find the answer. The video also reviews the concepts of saving versus borrowing. Saving money is something we do so that we can eventually buy something we want, like a new bike. This can take time. If you want something more immediately, you can borrow money. Borrowing money, however, means that you have to pay back the money you borrowed over time. And sometimes you have to pay interest. Budgeting is a very helpful tool to help control or manage our finances. A budget designates a certain amount of money to go toward certain things. For instance, perhaps you budget $50 for food for a week. If you spend more money on food than you budgeted for that week, you may have to save money somewhere else to ensure you don't spend more money than you have and go into debt. We hope you and your student(s) enjoyed learning about these important skills! If you want even more information, head over to our website and download one of our many free lesson plans, full of activities, worksheets, and more!

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The BALANCE SHEET for BEGINNERS (Full Example)

The 'Balance Sheet', or 'Statement of Financial Position' (SOFP) is one of the three major Financial Statements, along with the Income Statement and the Statement of Cash Flows. In this tutorial, you'll learn what a Balance Sheet is and I'll show you how to build one using a Trial Balance.

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How to Invest for Beginners in 2025

Everybody talks about investing in the stock market and earning passive income, but nobody shows you how to actually do it... Today, I cover EXACTLY how to start investing for beginners in 2025 - Enjoy!

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ACCOUNTANT EXPLAINS: Money Habits Keeping You Poor

Most of what we do with our money everyday is unconscious. In this video I share the most common bad money habits and how you can break out of them.

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Latest Video

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Financial Literacy for Kids | Learn the basics of finance and budgeting

Sometimes it's hard to distinguish whether something is a necessity or we just want that thing. Financial Literacy for Kids provides the basics about needs versus wants, budgeting, credit versus debit, and more. The points are easy to follow and understand. By the end, students will receive a good foundation of these points of financial literacy. A need is something that is necessary to survival. Food, water, and shelter are needs because we need those things to survive. Wants include much more, from toys and books to phones and cars. While it can be difficult to tell the difference sometimes, these definitions will help you find the answer. The video also reviews the concepts of saving versus borrowing. Saving money is something we do so that we can eventually buy something we want, like a new bike. This can take time. If you want something more immediately, you can borrow money. Borrowing money, however, means that you have to pay back the money you borrowed over time. And sometimes you have to pay interest. Budgeting is a very helpful tool to help control or manage our finances. A budget designates a certain amount of money to go toward certain things. For instance, perhaps you budget $50 for food for a week. If you spend more money on food than you budgeted for that week, you may have to save money somewhere else to ensure you don't spend more money than you have and go into debt. We hope you and your student(s) enjoyed learning about these important skills! If you want even more information, head over to our website and download one of our many free lesson plans, full of activities, worksheets, and more!

{{ formatDate('2025-09-05') }}

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PE Ratio Explained Simply | Finance in 5 Minutes!

Interested in learning what the PE ratio in stocks is? Also known as price to earnings ratio, this metric is explained simply for beginners in this 5 minute video! P/E ratio is a valuation metric that gives investors a quick look at how the market is currently valuing a company. It is a good first step when determining if the stock is currently at fair value, undervalued, or overvalued! Stocks with a low PE ratio, something around 10x, would be considered cheap and possibly undervalued. Inversely, stocks with a high PE ratio, say 50x or more, would be expensive and may be considered to be overvalued. Price to earnings ratio can be found by dividing the stock’s current price per share, by its current earnings per share. The output gives you a multiple, sometimes referred to as a price multiple or earnings multiple by investors. PE ratio really shows it's strength when comparing multiple companies, within the same industry, to understand how each company is valued. You can use the PE ratio to make a more informed decision about which company may be better value for your money. Keep in mind that using PE ratio to compare companies across industries is not very useful. Different industries will have different standards and expectations that will effect PE ratio. For example, companies within the technology sector usually boast much higher PE ratios than companies within the consumer staples sector. For this reason, it is not recommended to use PE ratio as a basis for comparison across different industries and/or markets.

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Escaping the Rat Race: What School Failed to Teach You About Money.

Escaping the rat race isn’t about quitting a 9-5 job. It’s about avoiding the “Money Trap”. A race to the next paycheck, or material possession. In this video we take a look at what the rat race truly is, ways in which personal finance can help, as well as understanding the relationship between consumption and production. A relationship that can help you save money, but also scale your income.

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Dollar Cost Averaging Investing | Explained for Beginners

Dollar cost averaging is a great way for beginners to get started investing and this video is simply explained for those looking to get involved in the stock market. Dollar cost averaging is an investing strategy where you invest small amounts on a regular basis. The term, dollar cost averaging, refers to an investing strategy in which you regularly invest the same amount of money into your investments. You set a weekly or monthly budget and use that budget to increase your positions in the investments that you own. You can apply dollar cost averaging in stocks, ETFs, mutual funds, bonds and really anything else! It can be a great way for beginners and expert investors to build wealth through investing. Dollar cost averaging has many benefits of doing so. Timing the market is extremely difficult to do correctly, so this strategy helps you stay profitable, without having to time the market. Also, most people don't have large sums of money to dump into investments all at once. Instead, dollar cost averaging gives you the opportunity to build up to that large sum, while earning interest and growth along the way. Lastly, investing can be an emotional rollercoaster ride as the market changes in value. By investing the same amount on a regular basis, this strategy removes the emotional bias from the equation. There are some downsides associated with dollar cost averaging. Lump sum investing, where you deposit and invest large amounts at once, can sometimes outperform dollar cost averaging. With correct timing, lump sum investing can put you ahead. Keep in mind this can be very difficult to do. Additionally, this strategy can produce higher trading and commission fees as you buy in on a regular basis. This is important and something to watch, but hopefully the gains made in your investment will offset these fees.

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Price to Sales Ratio Explained | Finance in 5 Minutes!

Price to sales ratio, also known as PS ratio in the stock market, is simply explained in this 5 minute video! You'll learn the formula and how to calculate the price sales ratio, the difference between forward and trailing (TTM) price-sales ratio, and some limitations when using the P/S metric! The price to sales ratio is a valuation metric that compares the stocks current price, to their sales numbers. The calculation for this ratio can be found by dividing the stock’s market cap, by their yearly revenue. It tells you how much you are paying in stock price, for each dollar of revenue the company generates. Investors use price to sales to judge if the company is over or undervalued, relative that company’s peers. This ratio can be especially useful when attempting to value a stock that is not currently profitable, or only slightly profitable, as you only need to look at their current revenue amounts. Some investors even prefer price to sales over other valuation ratios like the PE ratio. As with most valuation ratios, there are 2 different time frames that you can look at, trailing and forward. The trailing price to sales ratio would rely on financial information that has already been reported, and is using data from the last 1 year of operations. This is usually written as P/S (TTM) in which the TTM part means trailing 12 months. A forward price to sales ratio is referencing analyst’s expectations for the coming year. A forward PS ratio are based on estimates but can be used as a guide for what to expect.

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