Tournament Analysis

Now that you've created a team stat sheet, we can compare the team from game to game. First  though, we'll need to add a line for rebounds. You'll need to add data for three columns, offensive Rebounds, Defensive Rebounds and Total Rebounds. Then add a line for the totals at the bottom of each column. Use the SUM function to create the totals. To get the percentages, you'll need to divide the "made" columns by the "attempts" column. Freel free to color or bold columns to make it more easy to read. Us this example:

https://docs.google.com/spreadsheets/d/1AGv8kVNCXdZe0mY4sk1B19kykykiYivQiAgkireBkSU/edit?usp=sharing

Now highlight and copy the data set and paste it twice on the sections below like to see in the example.  Next. you'll need to enter the data from the other two playoff games against CPA and Fulton. You can find the statistics on the TSSAA web site here:

http://tssaa.org/2015-bluecross-basketball-championship-scoreboard-division-i-class-aa-boys/

Simply click on Statistics next to the score for each game. Let me know if you have any questions.

Tony Robbins: How to Invest Your Way to a $70 Million Retirement Fund | ...

Analyzing Mutual Funds

Now that you have built the tools to analyze stcocks and mutual funds, lets put your knowledge to the test. Select 3 mutual funds from the Vanguard site to invest in. Create a diversified portfolio of stock mutual funds. Assuming you bought the funds one year ago, calculate how much money your portfolio would have made.

Here is the link to the list of funds you use.

https://investor.vanguard.com/mutual-funds/vanguard-mutual-funds-list

Analyzing Investments

Google Sheets makes analyzing your investments easy. To get the current price of any stock or mutual fund simply use this formula in any cell to get the number

=GoogleFinance(AA)

Simply replace AA with any stock or mutual fund ticker. Try it out on the following Stock and mutual fund tickers:

Stocks
APPL
C
GOOG
NKE

Mutual Funds
VFIAX
ARTIX
MLAIX

Now, try building a mutual fund analysis form to analyze your investment portfolio. Here is a sample:

https://docs.google.com/spreadsheets/d/1hIhFAqg2N6FAP362yWD3m8CmWfwyAqpCsnjYKFcG01I/pubhtml


If you need help, try watching this video on using Google Finance.

http://youtu.be/_uLp7DpuS_8

Spreadsheet Skills Needed

Check out this article from the Wall Street Journal. 

http://www.wsj.com/articles/BL-ATWORKB-2315

The Retirement Gamble.

Watch this video from Frontline. You may need to explore more of the web site to find answers to the questions below.

http://www.pbs.org/wgbh/pages/frontline/retirement-gamble/

Answer these questions on a sheet of paper. Use complete sentences.

1. What are some factors that keep people from saving as much as they should?
2. What role does the financial services industry play in keeping people from retiring with as much money as they should?
3. What is expense ratio? How is it used to calculate dollar amount expenses?
4. How much does a typical investor pay in fees? You may find more info in the following link:

 http://www.investopedia.com/articles/stocks/08/fees-commission-value.asp

5. What mistake do most people make when the market drops in value?
6. Who is John Bogle and what radical idea did he bring to the market?

http://www.pbs.org/wgbh/pages/frontline/business-economy-financial-crisis/retirement-gamble/index-funds-the-key-to-saving-for-retirement/

 Look up the current stock price of the Vanguard 500 Index fund here

http://money.cnn.com/quote/mutualfund/mutualfund.html?symb=VFIAX

What is the expense ratio of this fund and how does it compare to the industry average?

Assignment: Calculate your lifetime returns using the returns of the Vanguard 500 less the expense fees. Compare the expense fees of this fund to the industry average. Assuming that you invest 300 per month, what is the amount of money you save compared to the industry average?

Turning $10 into $1 million.

Today, we're going to take that 10% savings and turn it into a 1 million fortune. It's not magic, but it does take discipline. First, you have to commit to saving 10% of your income. THat may mean that while your friends are going to the movies all the time, eating out, wearing the latest fashions, and driving nice new cars, you're renting videos, staying home, driving an older car, and wearing your clothes a bit longer. The payoff is that while your friends are working till they die, you'll be retired at a beachfront home!

Here's how to start out. First, calculate your yearly savings across the top of your spreadsheet. Calculate your yearly savings by multiplying your monthly saving by 12 months. So at the end of the first year, you have $3000 saved. Now, multiply that amount by 10, 20, 30, 40 and 50 years. You'll see that by the time you're in your 60s, you have about $150,000. While that's a nice sum of money you still can't retire on it.

The secret lies in investing wisely and compounding your saving. If you go to this Web site or any others, you'll find that the annualized return of the S&P 500 is between 6% and 7% over the lifetime of the market. That means, if you invest in the stock of the 500 largest companies in America, you would yield a return of about 6.5%.

We're going to assume that that interest gain in paid yearly and all of your gains are reinvested in the stock market and you don't pull any money out early. That's the tricky part. Can you stop yourself from taking out money to buy a new pair of Nikes.

Calculate the first years returns by multiplying $3000 times 6.5% to yield  a first year's savings of $3195. So, instead of making $3000 you actually have $3195. Next, you take that number and add the next $3000 to it to get to the beginning of year 2. Multiply that about times 6.5% and you end up with the next years ending balance of $6597. So at this point you've not just saved $6000, you have an extra $597 that you've earned. Congratulations!

https://docs.google.com/spreadsheets/d/1yB1St0hEtlDw9715uB1dnRpAbh1NRQrYAdT_261wTgE/pubhtml

Now, you just need to keep going. Do the same thing until you get to year 10. Now, compare what you've put back to what you actually have in the bank! Instead of $30,000, you have over $43,000. If you have the guts, you can keep saving and compounding your gains. By the time you're at year 50, you've made over $1 million. Enjoy your retirement!